Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$86,463Cash toward the purchase price.
Closing costs + prepaids$11,458Not just lender fees.
Before credits & paid funds$97,921The complete starting cash picture.
Estimated remaining funds due at closing
$97,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,463.10
Your down payment$86,463.10
Closing costs + prepaids$11,458.07
Total buyer cash needed$97,921.17
Remaining funds due$97,921.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$585.07
Fees + prepaids$11,458.07
Your down payment is the seller’s equity. You take over the $328,537 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $97,921.17 is due at closing. Uses and sources reconcile at $426,458.07 each. Not a Closing Disclosure.