Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$70,775Cash toward the purchase price.
Closing costs + prepaids$12,963Not just lender fees.
Before credits & paid funds$83,738The complete starting cash picture.
Estimated remaining funds due at closing
$83,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,775.15
Your down payment$70,775.15
Closing costs + prepaids$12,963.31
Total buyer cash needed$83,738.47
Remaining funds due$83,738.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$1,334.25
Prepaid interest, first (25 days)$1,414.06
Fees + prepaids$12,963.31
Your down payment is the seller’s equity. You take over the $328,225 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $83,738.47 is due at closing. Uses and sources reconcile at $411,963.31 each. Not a Closing Disclosure.