Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$74,860Cash toward the purchase price.
Closing costs + prepaids$10,795Not just lender fees.
Before credits & paid funds$85,654The complete starting cash picture.
Estimated remaining funds due at closing
$85,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,859.84
Your down payment$74,859.84
Closing costs + prepaids$10,794.51
Total buyer cash needed$85,654.35
Remaining funds due$85,654.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$248.00
Prepaid interest, first (2 days)$122.51
Fees + prepaids$10,794.51
Your down payment is the seller’s equity. You take over the $345,040 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $85,654.35 is due at closing. Uses and sources reconcile at $430,694.51 each. Not a Closing Disclosure.