Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$72,362Cash toward the purchase price.
Closing costs + prepaids$13,587Not just lender fees.
Before credits & paid funds$85,949The complete starting cash picture.
Estimated remaining funds due at closing
$85,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,361.97
Your down payment$72,361.97
Closing costs + prepaids$13,587.47
Total buyer cash needed$85,949.43
Remaining funds due$85,949.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,395.00
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)$1,137.75
Initial HOA (3 months)$1,020.00
Prepaid interest, first (25 days)$809.72
Fees + prepaids$13,587.47
Your down payment is the seller’s equity. You take over the $367,138 balance, so the rest of the $439,500 price is paid at closing. A second mortgage can cover part of it. $85,949.43 is due at closing. Uses and sources reconcile at $453,087.47 each. Not a Closing Disclosure.