Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$71,501Cash toward the purchase price.
Closing costs + prepaids$9,806Not just lender fees.
Before credits & paid funds$81,307The complete starting cash picture.
Estimated remaining funds due at closing
$81,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,501.15
Your down payment$71,501.15
Closing costs + prepaids$9,805.63
Total buyer cash needed$81,306.78
Remaining funds due$81,306.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,850.00
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)$712.50
Prepaid interest, first (1 days)$18.13
Fees + prepaids$9,805.63
Your down payment is the seller’s equity. You take over the $213,499 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $81,306.78 is due at closing. Uses and sources reconcile at $294,805.63 each. Not a Closing Disclosure.