Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$86,095Cash toward the purchase price.
Closing costs + prepaids$11,055Not just lender fees.
Before credits & paid funds$97,150The complete starting cash picture.
Estimated remaining funds due at closing
$97,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,095.02
Your down payment$86,095.02
Closing costs + prepaids$11,055.46
Total buyer cash needed$97,150.47
Remaining funds due$97,150.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.90
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)$585.00
Prepaid interest, first (1 days)$45.56
Fees + prepaids$11,055.46
Your down payment is the seller’s equity. You take over the $333,895 balance, so the rest of the $419,990 price is paid at closing. A second mortgage can cover part of it. $97,150.47 is due at closing. Uses and sources reconcile at $431,045.46 each. Not a Closing Disclosure.