Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$69,989Cash toward the purchase price.
Closing costs + prepaids$11,818Not just lender fees.
Before credits & paid funds$81,807The complete starting cash picture.
Estimated remaining funds due at closing
$81,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,989.40
Your down payment$69,989.40
Closing costs + prepaids$11,817.62
Total buyer cash needed$81,807.02
Remaining funds due$81,807.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$367.00
Prepaid interest, first (1 days)$76.62
Fees + prepaids$11,817.62
Your down payment is the seller’s equity. You take over the $419,911 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $81,807.02 is due at closing. Uses and sources reconcile at $501,717.62 each. Not a Closing Disclosure.