Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,273Cash toward the purchase price.
Closing costs + prepaids$12,569Not just lender fees.
Before credits & paid funds$87,841The complete starting cash picture.
Estimated remaining funds due at closing
$87,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,272.65
Your down payment$75,272.65
Closing costs + prepaids$12,568.68
Total buyer cash needed$87,841.33
Remaining funds due$87,841.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$248.00
Prepaid interest, first (31 days)$1,896.68
Fees + prepaids$12,568.68
Your down payment is the seller’s equity. You take over the $344,627 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $87,841.33 is due at closing. Uses and sources reconcile at $432,468.68 each. Not a Closing Disclosure.