Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$87,610Cash toward the purchase price.
Closing costs + prepaids$12,921Not just lender fees.
Before credits & paid funds$100,531The complete starting cash picture.
Estimated remaining funds due at closing
$100,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,610.11
Your down payment$87,610.11
Closing costs + prepaids$12,921.37
Total buyer cash needed$100,531.47
Remaining funds due$100,531.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$676.75
Initial HOA (3 months)$78.00
Prepaid interest, first (22 days)$1,441.62
Fees + prepaids$12,921.37
Your down payment is the seller’s equity. You take over the $362,390 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $100,531.47 is due at closing. Uses and sources reconcile at $462,921.37 each. Not a Closing Disclosure.