Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$96,228Cash toward the purchase price.
Closing costs + prepaids$12,071Not just lender fees.
Before credits & paid funds$108,299The complete starting cash picture.
Estimated remaining funds due at closing
$108,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,228.25
Your down payment$96,228.25
Closing costs + prepaids$12,070.78
Total buyer cash needed$108,299.03
Remaining funds due$108,299.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,050.00
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)$467.50
Prepaid interest, first (1 days)$78.28
Fees + prepaids$12,070.78
Your down payment is the seller’s equity. You take over the $408,772 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $108,299.03 is due at closing. Uses and sources reconcile at $517,070.78 each. Not a Closing Disclosure.