Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$76,245Cash toward the purchase price.
Closing costs + prepaids$14,177Not just lender fees.
Before credits & paid funds$90,422The complete starting cash picture.
Estimated remaining funds due at closing
$90,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,245.15
Your down payment$76,245.15
Closing costs + prepaids$14,177.00
Total buyer cash needed$90,422.15
Remaining funds due$90,422.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$1,465.50
Initial HOA (3 months)$450.00
Prepaid interest, first (30 days)$1,836.50
Fees + prepaids$14,177.00
Your down payment is the seller’s equity. You take over the $343,755 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $90,422.15 is due at closing. Uses and sources reconcile at $434,177.00 each. Not a Closing Disclosure.