Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$76,964Cash toward the purchase price.
Closing costs + prepaids$12,359Not just lender fees.
Before credits & paid funds$89,323The complete starting cash picture.
Estimated remaining funds due at closing
$89,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,963.77
Your down payment$76,963.77
Closing costs + prepaids$12,359.36
Total buyer cash needed$89,323.13
Remaining funds due$89,323.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,179.99
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)$628.25
Prepaid interest, first (1 days)$76.12
Fees + prepaids$12,359.36
Your down payment is the seller’s equity. You take over the $441,035 balance, so the rest of the $517,999 price is paid at closing. A second mortgage can cover part of it. $89,323.13 is due at closing. Uses and sources reconcile at $530,358.36 each. Not a Closing Disclosure.