Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$72,928Cash toward the purchase price.
Closing costs + prepaids$7,947Not just lender fees.
Before credits & paid funds$80,875The complete starting cash picture.
Estimated remaining funds due at closing
$80,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,928.09
Your down payment$72,928.09
Closing costs + prepaids$7,947.00
Total buyer cash needed$80,875.09
Remaining funds due$80,875.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,149.99
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)$558.75
Prepaid interest, first (2 days)$13.26
Fees + prepaids$7,947.00
Your down payment is the seller’s equity. You take over the $42,071 balance, so the rest of the $114,999 price is paid at closing. A second mortgage can cover part of it. $80,875.09 is due at closing. Uses and sources reconcile at $122,946.00 each. Not a Closing Disclosure.