Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,300Cash toward the purchase price.
Closing costs + prepaids$12,497Not just lender fees.
Before credits & paid funds$89,797The complete starting cash picture.
Estimated remaining funds due at closing
$89,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,300.40
Your down payment$77,300.40
Closing costs + prepaids$12,497.01
Total buyer cash needed$89,797.41
Remaining funds due$89,797.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$434.00
Prepaid interest, first (26 days)$1,638.01
Fees + prepaids$12,497.01
Your down payment is the seller’s equity. You take over the $342,700 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $89,797.41 is due at closing. Uses and sources reconcile at $432,497.01 each. Not a Closing Disclosure.