Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$78,173Cash toward the purchase price.
Closing costs + prepaids$13,422Not just lender fees.
Before credits & paid funds$91,595The complete starting cash picture.
Estimated remaining funds due at closing
$91,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,172.64
Your down payment$78,172.64
Closing costs + prepaids$13,422.23
Total buyer cash needed$91,594.87
Remaining funds due$91,594.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$1,301.00
Prepaid interest, first (25 days)$1,597.23
Fees + prepaids$13,422.23
Your down payment is the seller’s equity. You take over the $351,727 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $91,594.87 is due at closing. Uses and sources reconcile at $443,322.23 each. Not a Closing Disclosure.