Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$61,811Cash toward the purchase price.
Closing costs + prepaids$9,592Not just lender fees.
Before credits & paid funds$71,403The complete starting cash picture.
Estimated remaining funds due at closing
$71,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,811.13
Your down payment$61,811.13
Closing costs + prepaids$9,591.76
Total buyer cash needed$71,402.89
Remaining funds due$71,402.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.99
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)$128.50
Prepaid interest, first (1 days)$38.27
Fees + prepaids$9,591.76
Your down payment is the seller’s equity. You take over the $258,188 balance, so the rest of the $319,999 price is paid at closing. A second mortgage can cover part of it. $71,402.89 is due at closing. Uses and sources reconcile at $329,590.76 each. Not a Closing Disclosure.