Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,873Cash toward the purchase price.
Closing costs + prepaids$14,695Not just lender fees.
Before credits & paid funds$83,568The complete starting cash picture.
Estimated remaining funds due at closing
$83,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,873.05
Your down payment$68,873.05
Closing costs + prepaids$14,694.94
Total buyer cash needed$83,567.99
Remaining funds due$83,567.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,490.00
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)$1,622.50
Prepaid interest, first (1 days)$107.44
Fees + prepaids$14,694.94
Your down payment is the seller’s equity. You take over the $580,127 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $83,567.99 is due at closing. Uses and sources reconcile at $663,694.94 each. Not a Closing Disclosure.