Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$82,911Cash toward the purchase price.
Closing costs + prepaids$11,249Not just lender fees.
Before credits & paid funds$94,160The complete starting cash picture.
Estimated remaining funds due at closing
$94,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,910.83
Your down payment$82,910.83
Closing costs + prepaids$11,249.24
Total buyer cash needed$94,160.07
Remaining funds due$94,160.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,190.00
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)$502.75
Prepaid interest, first (12 days)$331.49
Fees + prepaids$11,249.24
Your down payment is the seller’s equity. You take over the $336,089 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $94,160.07 is due at closing. Uses and sources reconcile at $430,249.24 each. Not a Closing Disclosure.