Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$69,453Cash toward the purchase price.
Closing costs + prepaids$11,570Not just lender fees.
Before credits & paid funds$81,023The complete starting cash picture.
Estimated remaining funds due at closing
$81,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,453.08
Your down payment$69,453.08
Closing costs + prepaids$11,569.89
Total buyer cash needed$81,022.96
Remaining funds due$81,022.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$358.00
Prepaid interest, first (20 days)$836.89
Fees + prepaids$11,569.89
Your down payment is the seller’s equity. You take over the $345,547 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $81,022.96 is due at closing. Uses and sources reconcile at $426,569.89 each. Not a Closing Disclosure.