Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$80,439Cash toward the purchase price.
Closing costs + prepaids$12,725Not just lender fees.
Before credits & paid funds$93,164The complete starting cash picture.
Estimated remaining funds due at closing
$93,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,439.11
Your down payment$80,439.11
Closing costs + prepaids$12,725.23
Total buyer cash needed$93,164.33
Remaining funds due$93,164.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,079.00
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)$703.00
Prepaid interest, first (28 days)$1,718.23
Fees + prepaids$12,725.23
Your down payment is the seller’s equity. You take over the $327,461 balance, so the rest of the $407,900 price is paid at closing. A second mortgage can cover part of it. $93,164.33 is due at closing. Uses and sources reconcile at $420,625.23 each. Not a Closing Disclosure.