Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$87,615Cash toward the purchase price.
Closing costs + prepaids$11,012Not just lender fees.
Before credits & paid funds$98,628The complete starting cash picture.
Estimated remaining funds due at closing
$98,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,615.36
Your down payment$87,615.36
Closing costs + prepaids$11,012.19
Total buyer cash needed$98,627.55
Remaining funds due$98,627.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$336.25
Prepaid interest, first (1 days)$60.94
Fees + prepaids$11,012.19
Your down payment is the seller’s equity. You take over the $351,385 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $98,627.55 is due at closing. Uses and sources reconcile at $450,012.19 each. Not a Closing Disclosure.