Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$85,709Cash toward the purchase price.
Closing costs + prepaids$12,142Not just lender fees.
Before credits & paid funds$97,852The complete starting cash picture.
Estimated remaining funds due at closing
$97,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,709.27
Your down payment$85,709.27
Closing costs + prepaids$12,142.48
Total buyer cash needed$97,851.75
Remaining funds due$97,851.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,180.00
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)$692.25
Initial HOA (3 months)$438.00
Prepaid interest, first (23 days)$607.23
Fees + prepaids$12,142.48
Your down payment is the seller’s equity. You take over the $332,291 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $97,851.75 is due at closing. Uses and sources reconcile at $430,142.48 each. Not a Closing Disclosure.