Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$87,516Cash toward the purchase price.
Closing costs + prepaids$12,772Not just lender fees.
Before credits & paid funds$100,289The complete starting cash picture.
Estimated remaining funds due at closing
$100,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,516.12
Your down payment$87,516.12
Closing costs + prepaids$12,772.45
Total buyer cash needed$100,288.57
Remaining funds due$100,288.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$1,047.50
Prepaid interest, first (24 days)$1,309.95
Fees + prepaids$12,772.45
Your down payment is the seller’s equity. You take over the $331,484 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $100,288.57 is due at closing. Uses and sources reconcile at $431,772.45 each. Not a Closing Disclosure.