Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$82,328Cash toward the purchase price.
Closing costs + prepaids$13,672Not just lender fees.
Before credits & paid funds$95,999The complete starting cash picture.
Estimated remaining funds due at closing
$95,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,327.52
Your down payment$82,327.52
Closing costs + prepaids$13,671.57
Total buyer cash needed$95,999.10
Remaining funds due$95,999.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$1,087.50
Prepaid interest, first (29 days)$2,009.07
Fees + prepaids$13,671.57
Your down payment is the seller’s equity. You take over the $352,672 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $95,999.10 is due at closing. Uses and sources reconcile at $448,671.57 each. Not a Closing Disclosure.