Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$79,140Cash toward the purchase price.
Closing costs + prepaids$7,323Not just lender fees.
Before credits & paid funds$86,464The complete starting cash picture.
Estimated remaining funds due at closing
$86,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,140.39
Your down payment$79,140.39
Closing costs + prepaids$7,323.29
Total buyer cash needed$86,463.68
Remaining funds due$86,463.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,000.00
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)$94.00
Prepaid interest, first (1 days)$4.29
Fees + prepaids$7,323.29
Your down payment is the seller’s equity. You take over the $20,860 balance, so the rest of the $100,000 price is paid at closing. A second mortgage can cover part of it. $86,463.68 is due at closing. Uses and sources reconcile at $107,323.29 each. Not a Closing Disclosure.