Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$82,328Cash toward the purchase price.
Closing costs + prepaids$12,910Not just lender fees.
Before credits & paid funds$95,237The complete starting cash picture.
Estimated remaining funds due at closing
$95,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,327.52
Your down payment$82,327.52
Closing costs + prepaids$12,909.51
Total buyer cash needed$95,237.03
Remaining funds due$95,237.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$1,087.50
Prepaid interest, first (18 days)$1,247.01
Fees + prepaids$12,909.51
Your down payment is the seller’s equity. You take over the $352,672 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $95,237.03 is due at closing. Uses and sources reconcile at $447,909.51 each. Not a Closing Disclosure.