Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$85,618Cash toward the purchase price.
Closing costs + prepaids$10,627Not just lender fees.
Before credits & paid funds$96,244The complete starting cash picture.
Estimated remaining funds due at closing
$96,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,617.65
Your down payment$85,617.65
Closing costs + prepaids$10,626.74
Total buyer cash needed$96,244.39
Remaining funds due$96,244.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$554.00
Prepaid interest, first (2 days)$47.75
Fees + prepaids$10,626.74
Your down payment is the seller’s equity. You take over the $294,381 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $96,244.39 is due at closing. Uses and sources reconcile at $390,625.74 each. Not a Closing Disclosure.