Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$83,247Cash toward the purchase price.
Closing costs + prepaids$12,296Not just lender fees.
Before credits & paid funds$95,543The complete starting cash picture.
Estimated remaining funds due at closing
$95,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,247.17
Your down payment$83,247.17
Closing costs + prepaids$12,296.17
Total buyer cash needed$95,543.34
Remaining funds due$95,543.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$408.25
Initial HOA (3 months)$50.01
Prepaid interest, first (26 days)$1,512.91
Fees + prepaids$12,296.17
Your down payment is the seller’s equity. You take over the $326,753 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $95,543.34 is due at closing. Uses and sources reconcile at $422,296.17 each. Not a Closing Disclosure.