Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$81,600Cash toward the purchase price.
Closing costs + prepaids$12,523Not just lender fees.
Before credits & paid funds$94,122The complete starting cash picture.
Estimated remaining funds due at closing
$94,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,599.78
Your down payment$81,599.78
Closing costs + prepaids$12,522.69
Total buyer cash needed$94,122.47
Remaining funds due$94,122.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,159.00
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)$734.25
Prepaid interest, first (2 days)$154.44
Fees + prepaids$12,522.69
Your down payment is the seller’s equity. You take over the $434,300 balance, so the rest of the $515,900 price is paid at closing. A second mortgage can cover part of it. $94,122.47 is due at closing. Uses and sources reconcile at $528,422.69 each. Not a Closing Disclosure.