Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$80,355Cash toward the purchase price.
Closing costs + prepaids$11,807Not just lender fees.
Before credits & paid funds$92,162The complete starting cash picture.
Estimated remaining funds due at closing
$92,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,354.72
Your down payment$80,354.72
Closing costs + prepaids$11,806.90
Total buyer cash needed$92,161.61
Remaining funds due$92,161.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$171.00
Prepaid interest, first (26 days)$1,420.90
Fees + prepaids$11,806.90
Your down payment is the seller’s equity. You take over the $318,645 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $92,161.61 is due at closing. Uses and sources reconcile at $410,806.90 each. Not a Closing Disclosure.