Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$72,196Cash toward the purchase price.
Closing costs + prepaids$12,483Not just lender fees.
Before credits & paid funds$84,679The complete starting cash picture.
Estimated remaining funds due at closing
$84,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,195.68
Your down payment$72,195.68
Closing costs + prepaids$12,483.48
Total buyer cash needed$84,679.16
Remaining funds due$84,679.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$950.00
Prepaid interest, first (26 days)$1,508.49
Fees + prepaids$12,483.48
Your down payment is the seller’s equity. You take over the $307,803 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $84,679.16 is due at closing. Uses and sources reconcile at $392,482.48 each. Not a Closing Disclosure.