Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$73,164Cash toward the purchase price.
Closing costs + prepaids$12,703Not just lender fees.
Before credits & paid funds$85,867The complete starting cash picture.
Estimated remaining funds due at closing
$85,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,164.02
Your down payment$73,164.02
Closing costs + prepaids$12,703.09
Total buyer cash needed$85,867.11
Remaining funds due$85,867.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,380.00
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)$426.00
Initial HOA (3 months)$84.00
Prepaid interest, first (24 days)$1,588.09
Fees + prepaids$12,703.09
Your down payment is the seller’s equity. You take over the $364,836 balance, so the rest of the $438,000 price is paid at closing. A second mortgage can cover part of it. $85,867.11 is due at closing. Uses and sources reconcile at $450,703.09 each. Not a Closing Disclosure.