Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$81,080Cash toward the purchase price.
Closing costs + prepaids$11,767Not just lender fees.
Before credits & paid funds$92,847The complete starting cash picture.
Estimated remaining funds due at closing
$92,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,080.06
Your down payment$81,080.06
Closing costs + prepaids$11,766.68
Total buyer cash needed$92,846.75
Remaining funds due$92,846.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,180.00
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)$494.00
Prepaid interest, first (25 days)$867.68
Fees + prepaids$11,766.68
Your down payment is the seller’s equity. You take over the $336,920 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $92,846.75 is due at closing. Uses and sources reconcile at $429,766.68 each. Not a Closing Disclosure.