Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$78,988Cash toward the purchase price.
Closing costs + prepaids$13,306Not just lender fees.
Before credits & paid funds$92,294The complete starting cash picture.
Estimated remaining funds due at closing
$92,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,987.87
Your down payment$78,987.87
Closing costs + prepaids$13,305.90
Total buyer cash needed$92,293.76
Remaining funds due$92,293.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.99
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)$1,643.41
Fees + prepaids$13,305.90
Your down payment is the seller’s equity. You take over the $356,011 balance, so the rest of the $434,999 price is paid at closing. A second mortgage can cover part of it. $92,293.76 is due at closing. Uses and sources reconcile at $448,304.90 each. Not a Closing Disclosure.