Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$70,018Cash toward the purchase price.
Closing costs + prepaids$12,527Not just lender fees.
Before credits & paid funds$82,545The complete starting cash picture.
Estimated remaining funds due at closing
$82,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,017.83
Your down payment$70,017.83
Closing costs + prepaids$12,527.49
Total buyer cash needed$82,545.32
Remaining funds due$82,545.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$690.50
Prepaid interest, first (24 days)$1,512.99
Fees + prepaids$12,527.49
Your down payment is the seller’s equity. You take over the $339,882 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $82,545.32 is due at closing. Uses and sources reconcile at $422,427.49 each. Not a Closing Disclosure.