Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$86,248Cash toward the purchase price.
Closing costs + prepaids$12,543Not just lender fees.
Before credits & paid funds$98,790The complete starting cash picture.
Estimated remaining funds due at closing
$98,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,247.66
Your down payment$86,247.66
Closing costs + prepaids$12,542.79
Total buyer cash needed$98,790.44
Remaining funds due$98,790.44
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)$547.00
Prepaid interest, first (23 days)$1,271.79
Fees + prepaids$12,542.79
Your down payment is the seller’s equity. You take over the $363,652 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $98,790.44 is due at closing. Uses and sources reconcile at $462,442.79 each. Not a Closing Disclosure.