Follow the dollars · Assumption only
A complete cash picture for Dec 24, 2026
Your down payment$80,300Cash toward the purchase price.
Closing costs + prepaids$11,513Not just lender fees.
Before credits & paid funds$91,813The complete starting cash picture.
Estimated remaining funds due at closing
$91,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,300.41
Your down payment$80,300.41
Closing costs + prepaids$11,512.59
Total buyer cash needed$91,813.00
Remaining funds due$91,813.00
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)$498.00
Initial HOA (3 months)$297.00
Prepaid interest, first (8 days)$342.59
Fees + prepaids$11,512.59
Your down payment is the seller’s equity. You take over the $334,700 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $91,813.00 is due at closing. Uses and sources reconcile at $426,512.59 each. Not a Closing Disclosure.