Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,659Cash toward the purchase price.
Closing costs + prepaids$7,967Not just lender fees.
Before credits & paid funds$29,626The complete starting cash picture.
Estimated remaining funds due at closing
$29,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,658.76
Your down payment$21,658.76
Closing costs + prepaids$7,967.13
Total buyer cash needed$29,625.88
Remaining funds due$29,625.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,000.00
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)$720.75
Prepaid interest, first (2 days)$21.38
Fees + prepaids$7,967.13
Your down payment is the seller’s equity. You take over the $78,341 balance, so the rest of the $100,000 price is paid at closing. A second mortgage can cover part of it. $29,625.88 is due at closing. Uses and sources reconcile at $107,967.13 each. Not a Closing Disclosure.