Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$72,675Cash toward the purchase price.
Closing costs + prepaids$13,841Not just lender fees.
Before credits & paid funds$86,515The complete starting cash picture.
Estimated remaining funds due at closing
$86,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,674.69
Your down payment$72,674.69
Closing costs + prepaids$13,840.73
Total buyer cash needed$86,515.42
Remaining funds due$86,515.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$1,637.00
Initial HOA (3 months)$336.00
Prepaid interest, first (23 days)$1,492.73
Fees + prepaids$13,840.73
Your down payment is the seller’s equity. You take over the $342,325 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $86,515.42 is due at closing. Uses and sources reconcile at $428,840.73 each. Not a Closing Disclosure.