Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$70,871Cash toward the purchase price.
Closing costs + prepaids$12,477Not just lender fees.
Before credits & paid funds$83,349The complete starting cash picture.
Estimated remaining funds due at closing
$83,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,871.46
Your down payment$70,871.46
Closing costs + prepaids$12,477.35
Total buyer cash needed$83,348.81
Remaining funds due$83,348.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,915.00
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)$978.50
Prepaid interest, first (31 days)$1,358.85
Fees + prepaids$12,477.35
Your down payment is the seller’s equity. You take over the $320,629 balance, so the rest of the $391,500 price is paid at closing. A second mortgage can cover part of it. $83,348.81 is due at closing. Uses and sources reconcile at $403,977.35 each. Not a Closing Disclosure.