Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$97,817Cash toward the purchase price.
Closing costs + prepaids$12,613Not just lender fees.
Before credits & paid funds$110,430The complete starting cash picture.
Estimated remaining funds due at closing
$110,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,817.16
Your down payment$97,817.16
Closing costs + prepaids$12,613.10
Total buyer cash needed$110,430.26
Remaining funds due$110,430.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$603.00
Prepaid interest, first (29 days)$935.20
Fees + prepaids$12,613.10
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $459,990 price is paid at closing. A second mortgage can cover part of it. $110,430.26 is due at closing. Uses and sources reconcile at $472,603.10 each. Not a Closing Disclosure.