Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$75,883Cash toward the purchase price.
Closing costs + prepaids$12,031Not just lender fees.
Before credits & paid funds$87,913The complete starting cash picture.
Estimated remaining funds due at closing
$87,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,882.71
Your down payment$75,882.71
Closing costs + prepaids$12,030.59
Total buyer cash needed$87,913.31
Remaining funds due$87,913.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,270.00
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)$762.75
Prepaid interest, first (26 days)$772.84
Fees + prepaids$12,030.59
Your down payment is the seller’s equity. You take over the $351,117 balance, so the rest of the $427,000 price is paid at closing. A second mortgage can cover part of it. $87,913.31 is due at closing. Uses and sources reconcile at $439,030.59 each. Not a Closing Disclosure.