Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$79,733Cash toward the purchase price.
Closing costs + prepaids$12,607Not just lender fees.
Before credits & paid funds$92,340The complete starting cash picture.
Estimated remaining funds due at closing
$92,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,733.32
Your down payment$79,733.32
Closing costs + prepaids$12,606.74
Total buyer cash needed$92,340.06
Remaining funds due$92,340.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,449.99
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)$419.25
Prepaid interest, first (22 days)$1,512.50
Fees + prepaids$12,606.74
Your down payment is the seller’s equity. You take over the $365,266 balance, so the rest of the $444,999 price is paid at closing. A second mortgage can cover part of it. $92,340.06 is due at closing. Uses and sources reconcile at $457,605.74 each. Not a Closing Disclosure.