Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,041Cash toward the purchase price.
Closing costs + prepaids$13,822Not just lender fees.
Before credits & paid funds$81,862The complete starting cash picture.
Estimated remaining funds due at closing
$81,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,040.64
Your down payment$68,040.64
Closing costs + prepaids$13,821.50
Total buyer cash needed$81,862.14
Remaining funds due$81,862.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
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)$1,450.00
Prepaid interest, first (1 days)$96.50
Fees + prepaids$13,821.50
Your down payment is the seller’s equity. You take over the $511,959 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $81,862.14 is due at closing. Uses and sources reconcile at $593,821.50 each. Not a Closing Disclosure.