Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$78,232Cash toward the purchase price.
Closing costs + prepaids$10,888Not just lender fees.
Before credits & paid funds$89,120The complete starting cash picture.
Estimated remaining funds due at closing
$89,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,232.29
Your down payment$78,232.29
Closing costs + prepaids$10,887.54
Total buyer cash needed$89,119.83
Remaining funds due$89,119.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$347.00
Prepaid interest, first (2 days)$65.55
Fees + prepaids$10,887.54
Your down payment is the seller’s equity. You take over the $346,767 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $89,119.83 is due at closing. Uses and sources reconcile at $435,886.54 each. Not a Closing Disclosure.