Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$78,777Cash toward the purchase price.
Closing costs + prepaids$12,126Not just lender fees.
Before credits & paid funds$90,903The complete starting cash picture.
Estimated remaining funds due at closing
$90,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,777.25
Your down payment$78,777.25
Closing costs + prepaids$12,126.21
Total buyer cash needed$90,903.46
Remaining funds due$90,903.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.00
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)$543.75
Prepaid interest, first (16 days)$1,008.46
Fees + prepaids$12,126.21
Your down payment is the seller’s equity. You take over the $356,123 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $90,903.46 is due at closing. Uses and sources reconcile at $447,026.21 each. Not a Closing Disclosure.