Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$98,142Cash toward the purchase price.
Closing costs + prepaids$13,688Not just lender fees.
Before credits & paid funds$111,830The complete starting cash picture.
Estimated remaining funds due at closing
$111,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,142.47
Your down payment$98,142.47
Closing costs + prepaids$13,687.86
Total buyer cash needed$111,830.33
Remaining funds due$111,830.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$974.25
Initial HOA (3 months)$112.50
Prepaid interest, first (24 days)$1,527.11
Fees + prepaids$13,687.86
Your down payment is the seller’s equity. You take over the $361,758 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $111,830.33 is due at closing. Uses and sources reconcile at $473,587.86 each. Not a Closing Disclosure.