Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$87,727Cash toward the purchase price.
Closing costs + prepaids$11,524Not just lender fees.
Before credits & paid funds$99,251The complete starting cash picture.
Estimated remaining funds due at closing
$99,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,727.16
Your down payment$87,727.16
Closing costs + prepaids$11,524.21
Total buyer cash needed$99,251.37
Remaining funds due$99,251.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$26.25
Prepaid interest, first (24 days)$773.96
Fees + prepaids$11,524.21
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $99,251.37 is due at closing. Uses and sources reconcile at $461,424.21 each. Not a Closing Disclosure.