Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$82,647Cash toward the purchase price.
Closing costs + prepaids$12,211Not just lender fees.
Before credits & paid funds$94,858The complete starting cash picture.
Estimated remaining funds due at closing
$94,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,646.90
Your down payment$82,646.90
Closing costs + prepaids$12,210.81
Total buyer cash needed$94,857.71
Remaining funds due$94,857.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.95
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)$431.75
Prepaid interest, first (23 days)$1,354.11
Fees + prepaids$12,210.81
Your down payment is the seller’s equity. You take over the $337,348 balance, so the rest of the $419,995 price is paid at closing. A second mortgage can cover part of it. $94,857.71 is due at closing. Uses and sources reconcile at $432,205.81 each. Not a Closing Disclosure.