Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$69,866Cash toward the purchase price.
Closing costs + prepaids$11,829Not just lender fees.
Before credits & paid funds$81,694The complete starting cash picture.
Estimated remaining funds due at closing
$81,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,865.59
Your down payment$69,865.59
Closing costs + prepaids$11,828.68
Total buyer cash needed$81,694.27
Remaining funds due$81,694.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$204.25
Prepaid interest, first (2 days)$149.43
Fees + prepaids$11,828.68
Your down payment is the seller’s equity. You take over the $430,134 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $81,694.27 is due at closing. Uses and sources reconcile at $511,828.68 each. Not a Closing Disclosure.