Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$66,604Cash toward the purchase price.
Closing costs + prepaids$12,990Not just lender fees.
Before credits & paid funds$79,594The complete starting cash picture.
Estimated remaining funds due at closing
$79,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,603.93
Your down payment$66,603.93
Closing costs + prepaids$12,989.63
Total buyer cash needed$79,593.56
Remaining funds due$79,593.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$573.50
Prepaid interest, first (27 days)$1,792.13
Fees + prepaids$12,989.63
Your down payment is the seller’s equity. You take over the $373,296 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $79,593.56 is due at closing. Uses and sources reconcile at $452,889.63 each. Not a Closing Disclosure.