Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$86,835Cash toward the purchase price.
Closing costs + prepaids$13,400Not just lender fees.
Before credits & paid funds$100,235The complete starting cash picture.
Estimated remaining funds due at closing
$100,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,834.84
Your down payment$86,834.84
Closing costs + prepaids$13,400.24
Total buyer cash needed$100,235.08
Remaining funds due$100,235.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$1,454.50
Prepaid interest, first (26 days)$1,320.74
Fees + prepaids$13,400.24
Your down payment is the seller’s equity. You take over the $353,165 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $100,235.08 is due at closing. Uses and sources reconcile at $453,400.24 each. Not a Closing Disclosure.