Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$76,617Cash toward the purchase price.
Closing costs + prepaids$12,539Not just lender fees.
Before credits & paid funds$89,156The complete starting cash picture.
Estimated remaining funds due at closing
$89,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,617.43
Your down payment$76,617.43
Closing costs + prepaids$12,539.04
Total buyer cash needed$89,156.47
Remaining funds due$89,156.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$550.25
Prepaid interest, first (25 days)$1,514.79
Fees + prepaids$12,539.04
Your down payment is the seller’s equity. You take over the $348,283 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $89,156.47 is due at closing. Uses and sources reconcile at $437,439.04 each. Not a Closing Disclosure.