Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$80,333Cash toward the purchase price.
Closing costs + prepaids$12,463Not just lender fees.
Before credits & paid funds$92,796The complete starting cash picture.
Estimated remaining funds due at closing
$92,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,332.92
Your down payment$80,332.92
Closing costs + prepaids$12,463.13
Total buyer cash needed$92,796.04
Remaining funds due$92,796.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$1,210.50
Prepaid interest, first (25 days)$1,077.63
Fees + prepaids$12,463.13
Your down payment is the seller’s equity. You take over the $314,667 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $92,796.04 is due at closing. Uses and sources reconcile at $407,463.13 each. Not a Closing Disclosure.