Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$70,273Cash toward the purchase price.
Closing costs + prepaids$11,484Not just lender fees.
Before credits & paid funds$81,756The complete starting cash picture.
Estimated remaining funds due at closing
$81,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,272.65
Your down payment$70,272.65
Closing costs + prepaids$11,483.83
Total buyer cash needed$81,756.48
Remaining funds due$81,756.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$498.00
Prepaid interest, first (10 days)$611.83
Fees + prepaids$11,483.83
Your down payment is the seller’s equity. You take over the $344,627 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $81,756.48 is due at closing. Uses and sources reconcile at $426,383.83 each. Not a Closing Disclosure.