Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$80,096Cash toward the purchase price.
Closing costs + prepaids$11,945Not just lender fees.
Before credits & paid funds$92,040The complete starting cash picture.
Estimated remaining funds due at closing
$92,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,095.65
Your down payment$80,095.65
Closing costs + prepaids$11,944.65
Total buyer cash needed$92,040.30
Remaining funds due$92,040.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$1,192.50
Prepaid interest, first (2 days)$128.15
Fees + prepaids$11,944.65
Your down payment is the seller’s equity. You take over the $359,804 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $92,040.30 is due at closing. Uses and sources reconcile at $451,844.65 each. Not a Closing Disclosure.