Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$75,894Cash toward the purchase price.
Closing costs + prepaids$13,386Not just lender fees.
Before credits & paid funds$89,280The complete starting cash picture.
Estimated remaining funds due at closing
$89,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,894.13
Your down payment$75,894.13
Closing costs + prepaids$13,386.34
Total buyer cash needed$89,280.48
Remaining funds due$89,280.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$1,446.25
Prepaid interest, first (25 days)$1,365.09
Fees + prepaids$13,386.34
Your down payment is the seller’s equity. You take over the $359,106 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $89,280.48 is due at closing. Uses and sources reconcile at $448,386.34 each. Not a Closing Disclosure.