Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$82,516Cash toward the purchase price.
Closing costs + prepaids$12,882Not just lender fees.
Before credits & paid funds$95,398The complete starting cash picture.
Estimated remaining funds due at closing
$95,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,516.15
Your down payment$82,516.15
Closing costs + prepaids$12,881.94
Total buyer cash needed$95,398.08
Remaining funds due$95,398.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$446.25
Prepaid interest, first (30 days)$1,910.69
Fees + prepaids$12,881.94
Your down payment is the seller’s equity. You take over the $347,484 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $95,398.08 is due at closing. Uses and sources reconcile at $442,881.94 each. Not a Closing Disclosure.