Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,641Cash toward the purchase price.
Closing costs + prepaids$11,720Not just lender fees.
Before credits & paid funds$87,361The complete starting cash picture.
Estimated remaining funds due at closing
$87,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,641.15
Your down payment$75,641.15
Closing costs + prepaids$11,719.58
Total buyer cash needed$87,360.73
Remaining funds due$87,360.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,270.00
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)$299.50
Prepaid interest, first (31 days)$925.08
Fees + prepaids$11,719.58
Your down payment is the seller’s equity. You take over the $351,359 balance, so the rest of the $427,000 price is paid at closing. A second mortgage can cover part of it. $87,360.73 is due at closing. Uses and sources reconcile at $438,719.58 each. Not a Closing Disclosure.