Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$72,242Cash toward the purchase price.
Closing costs + prepaids$12,588Not just lender fees.
Before credits & paid funds$84,830The complete starting cash picture.
Estimated remaining funds due at closing
$84,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,242.34
Your down payment$72,242.34
Closing costs + prepaids$12,587.59
Total buyer cash needed$84,829.93
Remaining funds due$84,829.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$693.00
Prepaid interest, first (31 days)$1,519.59
Fees + prepaids$12,587.59
Your down payment is the seller’s equity. You take over the $342,758 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $84,829.93 is due at closing. Uses and sources reconcile at $427,587.59 each. Not a Closing Disclosure.