Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$74,731Cash toward the purchase price.
Closing costs + prepaids$11,751Not just lender fees.
Before credits & paid funds$86,482The complete starting cash picture.
Estimated remaining funds due at closing
$86,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,731.09
Your down payment$74,731.09
Closing costs + prepaids$11,751.12
Total buyer cash needed$86,482.20
Remaining funds due$86,482.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$516.00
Prepaid interest, first (12 days)$711.12
Fees + prepaids$11,751.12
Your down payment is the seller’s equity. You take over the $355,169 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $86,482.20 is due at closing. Uses and sources reconcile at $441,651.12 each. Not a Closing Disclosure.