Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$80,674Cash toward the purchase price.
Closing costs + prepaids$13,447Not just lender fees.
Before credits & paid funds$94,122The complete starting cash picture.
Estimated remaining funds due at closing
$94,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,674.13
Your down payment$80,674.13
Closing costs + prepaids$13,447.44
Total buyer cash needed$94,121.57
Remaining funds due$94,121.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.95
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)$1,378.50
Prepaid interest, first (1 days)$93.99
Fees + prepaids$13,447.44
Your down payment is the seller’s equity. You take over the $469,321 balance, so the rest of the $549,995 price is paid at closing. A second mortgage can cover part of it. $94,121.57 is due at closing. Uses and sources reconcile at $563,442.44 each. Not a Closing Disclosure.