Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$80,615Cash toward the purchase price.
Closing costs + prepaids$13,112Not just lender fees.
Before credits & paid funds$93,727The complete starting cash picture.
Estimated remaining funds due at closing
$93,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,614.52
Your down payment$80,614.52
Closing costs + prepaids$13,112.42
Total buyer cash needed$93,726.94
Remaining funds due$93,726.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,170.00
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)$1,238.25
Prepaid interest, first (25 days)$1,479.17
Fees + prepaids$13,112.42
Your down payment is the seller’s equity. You take over the $336,385 balance, so the rest of the $417,000 price is paid at closing. A second mortgage can cover part of it. $93,726.94 is due at closing. Uses and sources reconcile at $430,112.42 each. Not a Closing Disclosure.