Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$86,463Cash toward the purchase price.
Closing costs + prepaids$12,455Not just lender fees.
Before credits & paid funds$98,918The complete starting cash picture.
Estimated remaining funds due at closing
$98,918No 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$12,455.19
Total buyer cash needed$98,918.29
Remaining funds due$98,918.29
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)$383.50
Prepaid interest, first (29 days)$1,696.69
Fees + prepaids$12,455.19
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. $98,918.29 is due at closing. Uses and sources reconcile at $427,455.19 each. Not a Closing Disclosure.