Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$79,881Cash toward the purchase price.
Closing costs + prepaids$16,929Not just lender fees.
Before credits & paid funds$96,810The complete starting cash picture.
Estimated remaining funds due at closing
$96,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,880.69
Your down payment$79,880.69
Closing costs + prepaids$16,928.88
Total buyer cash needed$96,809.56
Remaining funds due$96,809.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.00
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)$2,292.25
Prepaid interest, first (31 days)$2,662.63
Fees + prepaids$16,928.88
Your down payment is the seller’s equity. You take over the $470,019 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $96,809.56 is due at closing. Uses and sources reconcile at $566,828.88 each. Not a Closing Disclosure.