Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$80,679Cash toward the purchase price.
Closing costs + prepaids$11,966Not just lender fees.
Before credits & paid funds$92,644The complete starting cash picture.
Estimated remaining funds due at closing
$92,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,678.65
Your down payment$80,678.65
Closing costs + prepaids$11,965.80
Total buyer cash needed$92,644.45
Remaining funds due$92,644.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$189.00
Prepaid interest, first (18 days)$1,151.80
Fees + prepaids$11,965.80
Your down payment is the seller’s equity. You take over the $359,321 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $92,644.45 is due at closing. Uses and sources reconcile at $451,965.80 each. Not a Closing Disclosure.