Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$72,254Cash toward the purchase price.
Closing costs + prepaids$12,698Not just lender fees.
Before credits & paid funds$84,952The complete starting cash picture.
Estimated remaining funds due at closing
$84,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,253.98
Your down payment$72,253.98
Closing costs + prepaids$12,698.33
Total buyer cash needed$84,952.31
Remaining funds due$84,952.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$573.75
Prepaid interest, first (16 days)$1,059.58
Fees + prepaids$12,698.33
Your down payment is the seller’s equity. You take over the $386,746 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $84,952.31 is due at closing. Uses and sources reconcile at $471,698.33 each. Not a Closing Disclosure.