Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$89,015Cash toward the purchase price.
Closing costs + prepaids$11,089Not just lender fees.
Before credits & paid funds$100,104The complete starting cash picture.
Estimated remaining funds due at closing
$100,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,014.90
Your down payment$89,014.90
Closing costs + prepaids$11,089.12
Total buyer cash needed$100,104.02
Remaining funds due$100,104.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,365.00
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)$470.75
Prepaid interest, first (1 days)$28.37
Fees + prepaids$11,089.12
Your down payment is the seller’s equity. You take over the $347,485 balance, so the rest of the $436,500 price is paid at closing. A second mortgage can cover part of it. $100,104.02 is due at closing. Uses and sources reconcile at $447,589.12 each. Not a Closing Disclosure.