Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$56,684Cash toward the purchase price.
Closing costs + prepaids$7,435Not just lender fees.
Before credits & paid funds$64,120The complete starting cash picture.
Estimated remaining funds due at closing
$64,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,684.25
Your down payment$56,684.25
Closing costs + prepaids$7,435.27
Total buyer cash needed$64,119.52
Remaining funds due$64,119.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$899.90
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)$304.75
Prepaid interest, first (1 days)$5.62
Fees + prepaids$7,435.27
Your down payment is the seller’s equity. You take over the $33,306 balance, so the rest of the $89,990 price is paid at closing. A second mortgage can cover part of it. $64,119.52 is due at closing. Uses and sources reconcile at $97,425.27 each. Not a Closing Disclosure.