Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,279Cash toward the purchase price.
Closing costs + prepaids$12,748Not just lender fees.
Before credits & paid funds$90,027The complete starting cash picture.
Estimated remaining funds due at closing
$90,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,278.80
Your down payment$77,278.80
Closing costs + prepaids$12,748.25
Total buyer cash needed$90,027.05
Remaining funds due$90,027.05
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)$1,355.00
Prepaid interest, first (31 days)$1,018.25
Fees + prepaids$12,748.25
Your down payment is the seller’s equity. You take over the $337,721 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $90,027.05 is due at closing. Uses and sources reconcile at $427,748.25 each. Not a Closing Disclosure.