Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$74,573Cash toward the purchase price.
Closing costs + prepaids$12,875Not just lender fees.
Before credits & paid funds$87,448The complete starting cash picture.
Estimated remaining funds due at closing
$87,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,572.99
Your down payment$74,572.99
Closing costs + prepaids$12,875.02
Total buyer cash needed$87,448.01
Remaining funds due$87,448.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$809.00
Prepaid interest, first (24 days)$1,542.02
Fees + prepaids$12,875.02
Your down payment is the seller’s equity. You take over the $355,327 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $87,448.01 is due at closing. Uses and sources reconcile at $442,775.02 each. Not a Closing Disclosure.