Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$84,348Cash toward the purchase price.
Closing costs + prepaids$13,557Not just lender fees.
Before credits & paid funds$97,905The complete starting cash picture.
Estimated remaining funds due at closing
$97,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,348.03
Your down payment$84,348.03
Closing costs + prepaids$13,556.61
Total buyer cash needed$97,904.63
Remaining funds due$97,904.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$82.75
Initial HOA (3 months)$459.00
Prepaid interest, first (29 days)$1,939.96
Fees + prepaids$13,556.61
Your down payment is the seller’s equity. You take over the $375,642 balance, so the rest of the $459,990 price is paid at closing. A second mortgage can cover part of it. $97,904.63 is due at closing. Uses and sources reconcile at $473,546.61 each. Not a Closing Disclosure.