Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$71,617Cash toward the purchase price.
Closing costs + prepaids$11,858Not just lender fees.
Before credits & paid funds$83,475The complete starting cash picture.
Estimated remaining funds due at closing
$83,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,617.43
Your down payment$71,617.43
Closing costs + prepaids$11,857.87
Total buyer cash needed$83,475.30
Remaining funds due$83,475.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$525.00
Prepaid interest, first (15 days)$908.87
Fees + prepaids$11,857.87
Your down payment is the seller’s equity. You take over the $348,283 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $83,475.30 is due at closing. Uses and sources reconcile at $431,757.87 each. Not a Closing Disclosure.