Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$77,279Cash toward the purchase price.
Closing costs + prepaids$12,453Not just lender fees.
Before credits & paid funds$89,731The complete starting cash picture.
Estimated remaining funds due at closing
$89,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,278.80
Your down payment$77,278.80
Closing costs + prepaids$12,452.63
Total buyer cash needed$89,731.43
Remaining funds due$89,731.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$1,355.00
Prepaid interest, first (22 days)$722.63
Fees + prepaids$12,452.63
Your down payment is the seller’s equity. You take over the $337,721 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $89,731.43 is due at closing. Uses and sources reconcile at $427,452.63 each. Not a Closing Disclosure.