Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$86,308Cash toward the purchase price.
Closing costs + prepaids$13,972Not just lender fees.
Before credits & paid funds$100,280The complete starting cash picture.
Estimated remaining funds due at closing
$100,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,307.99
Your down payment$86,307.99
Closing costs + prepaids$13,972.17
Total buyer cash needed$100,280.16
Remaining funds due$100,280.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$2,580.75
Prepaid interest, first (25 days)$667.42
Fees + prepaids$13,972.17
Your down payment is the seller’s equity. You take over the $363,592 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $100,280.16 is due at closing. Uses and sources reconcile at $463,872.17 each. Not a Closing Disclosure.