Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$80,472Cash toward the purchase price.
Closing costs + prepaids$13,289Not just lender fees.
Before credits & paid funds$93,761The complete starting cash picture.
Estimated remaining funds due at closing
$93,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,472.27
Your down payment$80,472.27
Closing costs + prepaids$13,288.68
Total buyer cash needed$93,760.94
Remaining funds due$93,760.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$1,192.50
Prepaid interest, first (23 days)$1,472.18
Fees + prepaids$13,288.68
Your down payment is the seller’s equity. You take over the $359,428 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $93,760.94 is due at closing. Uses and sources reconcile at $453,188.68 each. Not a Closing Disclosure.