Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$61,173Cash toward the purchase price.
Closing costs + prepaids$9,207Not just lender fees.
Before credits & paid funds$70,380The complete starting cash picture.
Estimated remaining funds due at closing
$70,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,172.82
Your down payment$61,172.82
Closing costs + prepaids$9,206.90
Total buyer cash needed$70,379.72
Remaining funds due$70,379.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.99
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)$163.50
Prepaid interest, first (1 days)$18.41
Fees + prepaids$9,206.90
Your down payment is the seller’s equity. You take over the $218,826 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $70,379.72 is due at closing. Uses and sources reconcile at $289,205.90 each. Not a Closing Disclosure.