Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$96,788Cash toward the purchase price.
Closing costs + prepaids$12,361Not just lender fees.
Before credits & paid funds$109,149The complete starting cash picture.
Estimated remaining funds due at closing
$109,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,787.74
Your down payment$96,787.74
Closing costs + prepaids$12,361.36
Total buyer cash needed$109,149.11
Remaining funds due$109,149.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$506.25
Prepaid interest, first (1 days)$80.11
Fees + prepaids$12,361.36
Your down payment is the seller’s equity. You take over the $433,212 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $109,149.11 is due at closing. Uses and sources reconcile at $542,361.36 each. Not a Closing Disclosure.