Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,532Cash toward the purchase price.
Closing costs + prepaids$14,168Not just lender fees.
Before credits & paid funds$99,700The complete starting cash picture.
Estimated remaining funds due at closing
$99,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,532.16
Your down payment$85,532.16
Closing costs + prepaids$14,167.78
Total buyer cash needed$99,699.93
Remaining funds due$99,699.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
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)$2,019.00
Initial HOA (3 months)$128.01
Prepaid interest, first (27 days)$1,005.77
Fees + prepaids$14,167.78
Your down payment is the seller’s equity. You take over the $368,468 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $99,699.93 is due at closing. Uses and sources reconcile at $468,167.78 each. Not a Closing Disclosure.