Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$83,402Cash toward the purchase price.
Closing costs + prepaids$12,257Not just lender fees.
Before credits & paid funds$95,660The complete starting cash picture.
Estimated remaining funds due at closing
$95,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,402.41
Your down payment$83,402.41
Closing costs + prepaids$12,257.36
Total buyer cash needed$95,659.77
Remaining funds due$95,659.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$652.75
Initial HOA (3 months)$68.76
Prepaid interest, first (24 days)$911.85
Fees + prepaids$12,257.36
Your down payment is the seller’s equity. You take over the $356,498 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $95,659.77 is due at closing. Uses and sources reconcile at $452,157.36 each. Not a Closing Disclosure.