Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$85,510Cash toward the purchase price.
Closing costs + prepaids$11,781Not just lender fees.
Before credits & paid funds$97,290The complete starting cash picture.
Estimated remaining funds due at closing
$97,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,509.63
Your down payment$85,509.63
Closing costs + prepaids$11,780.65
Total buyer cash needed$97,290.28
Remaining funds due$97,290.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$277.25
Prepaid interest, first (2 days)$138.40
Fees + prepaids$11,780.65
Your down payment is the seller’s equity. You take over the $403,490 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $97,290.28 is due at closing. Uses and sources reconcile at $500,780.65 each. Not a Closing Disclosure.