Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$72,412Cash toward the purchase price.
Closing costs + prepaids$13,849Not just lender fees.
Before credits & paid funds$86,261The complete starting cash picture.
Estimated remaining funds due at closing
$86,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,411.75
Your down payment$72,411.75
Closing costs + prepaids$13,848.96
Total buyer cash needed$86,260.70
Remaining funds due$86,260.70
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)$1,100.00
Prepaid interest, first (30 days)$2,123.96
Fees + prepaids$13,848.96
Your down payment is the seller’s equity. You take over the $367,588 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $86,260.70 is due at closing. Uses and sources reconcile at $453,848.96 each. Not a Closing Disclosure.