Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$76,372Cash toward the purchase price.
Closing costs + prepaids$12,262Not just lender fees.
Before credits & paid funds$88,634The complete starting cash picture.
Estimated remaining funds due at closing
$88,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,371.74
Your down payment$76,371.74
Closing costs + prepaids$12,261.87
Total buyer cash needed$88,633.61
Remaining funds due$88,633.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$546.00
Prepaid interest, first (12 days)$690.87
Fees + prepaids$12,261.87
Your down payment is the seller’s equity. You take over the $378,628 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $88,633.61 is due at closing. Uses and sources reconcile at $467,261.87 each. Not a Closing Disclosure.