Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$69,506Cash toward the purchase price.
Closing costs + prepaids$8,848Not just lender fees.
Before credits & paid funds$78,354The complete starting cash picture.
Estimated remaining funds due at closing
$78,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,505.67
Your down payment$69,505.67
Closing costs + prepaids$8,847.87
Total buyer cash needed$78,353.54
Remaining funds due$78,353.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,350.00
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)$258.50
Prepaid interest, first (1 days)$14.37
Fees + prepaids$8,847.87
Your down payment is the seller’s equity. You take over the $165,494 balance, so the rest of the $235,000 price is paid at closing. A second mortgage can cover part of it. $78,353.54 is due at closing. Uses and sources reconcile at $243,847.87 each. Not a Closing Disclosure.