Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$84,020Cash toward the purchase price.
Closing costs + prepaids$11,254Not just lender fees.
Before credits & paid funds$95,274The complete starting cash picture.
Estimated remaining funds due at closing
$95,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,020.10
Your down payment$84,020.10
Closing costs + prepaids$11,253.64
Total buyer cash needed$95,273.74
Remaining funds due$95,273.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,049.00
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)$468.25
Prepaid interest, first (21 days)$511.39
Fees + prepaids$11,253.64
Your down payment is the seller’s equity. You take over the $320,880 balance, so the rest of the $404,900 price is paid at closing. A second mortgage can cover part of it. $95,273.74 is due at closing. Uses and sources reconcile at $416,153.64 each. Not a Closing Disclosure.