Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$89,208Cash toward the purchase price.
Closing costs + prepaids$14,983Not just lender fees.
Before credits & paid funds$104,192The complete starting cash picture.
Estimated remaining funds due at closing
$104,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,208.48
Your down payment$89,208.48
Closing costs + prepaids$14,983.46
Total buyer cash needed$104,191.93
Remaining funds due$104,191.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.00
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)$2,127.75
Initial HOA (3 months)$210.00
Prepaid interest, first (22 days)$1,521.71
Fees + prepaids$14,983.46
Your down payment is the seller’s equity. You take over the $375,692 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $104,191.93 is due at closing. Uses and sources reconcile at $479,883.46 each. Not a Closing Disclosure.