Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$76,562Cash toward the purchase price.
Closing costs + prepaids$12,804Not just lender fees.
Before credits & paid funds$89,366The complete starting cash picture.
Estimated remaining funds due at closing
$89,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,561.92
Your down payment$76,561.92
Closing costs + prepaids$12,803.61
Total buyer cash needed$89,365.53
Remaining funds due$89,365.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$1,025.00
Prepaid interest, first (24 days)$1,453.61
Fees + prepaids$12,803.61
Your down payment is the seller’s equity. You take over the $333,438 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $89,365.53 is due at closing. Uses and sources reconcile at $422,803.61 each. Not a Closing Disclosure.