Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$79,682Cash toward the purchase price.
Closing costs + prepaids$11,758Not just lender fees.
Before credits & paid funds$91,440The complete starting cash picture.
Estimated remaining funds due at closing
$91,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,682.34
Your down payment$79,682.34
Closing costs + prepaids$11,757.87
Total buyer cash needed$91,440.21
Remaining funds due$91,440.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$409.25
Prepaid interest, first (22 days)$1,133.62
Fees + prepaids$11,757.87
Your down payment is the seller’s equity. You take over the $319,318 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $91,440.21 is due at closing. Uses and sources reconcile at $410,757.87 each. Not a Closing Disclosure.