Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$82,083Cash toward the purchase price.
Closing costs + prepaids$11,576Not just lender fees.
Before credits & paid funds$93,660The complete starting cash picture.
Estimated remaining funds due at closing
$93,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,083.36
Your down payment$82,083.36
Closing costs + prepaids$11,576.40
Total buyer cash needed$93,659.76
Remaining funds due$93,659.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,939.00
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)$492.50
Prepaid interest, first (16 days)$919.90
Fees + prepaids$11,576.40
Your down payment is the seller’s equity. You take over the $311,817 balance, so the rest of the $393,900 price is paid at closing. A second mortgage can cover part of it. $93,659.76 is due at closing. Uses and sources reconcile at $405,476.40 each. Not a Closing Disclosure.