Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$85,667Cash toward the purchase price.
Closing costs + prepaids$13,883Not just lender fees.
Before credits & paid funds$99,549The complete starting cash picture.
Estimated remaining funds due at closing
$99,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,666.63
Your down payment$85,666.63
Closing costs + prepaids$13,882.73
Total buyer cash needed$99,549.36
Remaining funds due$99,549.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,177.77
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)$1,561.00
Prepaid interest, first (30 days)$1,918.96
Fees + prepaids$13,882.73
Your down payment is the seller’s equity. You take over the $332,110 balance, so the rest of the $417,777 price is paid at closing. A second mortgage can cover part of it. $99,549.36 is due at closing. Uses and sources reconcile at $431,659.73 each. Not a Closing Disclosure.