Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$78,378Cash toward the purchase price.
Closing costs + prepaids$12,499Not just lender fees.
Before credits & paid funds$90,877The complete starting cash picture.
Estimated remaining funds due at closing
$90,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,378.28
Your down payment$78,378.28
Closing costs + prepaids$12,498.65
Total buyer cash needed$90,876.94
Remaining funds due$90,876.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$681.75
Initial HOA (3 months)$50.01
Prepaid interest, first (26 days)$1,442.89
Fees + prepaids$12,498.65
Your down payment is the seller’s equity. You take over the $331,522 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $90,876.94 is due at closing. Uses and sources reconcile at $422,398.65 each. Not a Closing Disclosure.