Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$86,817Cash toward the purchase price.
Closing costs + prepaids$11,977Not just lender fees.
Before credits & paid funds$98,794The complete starting cash picture.
Estimated remaining funds due at closing
$98,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,817.16
Your down payment$86,817.16
Closing costs + prepaids$11,977.11
Total buyer cash needed$98,794.28
Remaining funds due$98,794.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,489.90
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)$25.50
Initial HOA (3 months)$495.00
Prepaid interest, first (23 days)$741.71
Fees + prepaids$11,977.11
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $448,990 price is paid at closing. A second mortgage can cover part of it. $98,794.28 is due at closing. Uses and sources reconcile at $460,967.11 each. Not a Closing Disclosure.