Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$83,917Cash toward the purchase price.
Closing costs + prepaids$12,432Not just lender fees.
Before credits & paid funds$96,349The complete starting cash picture.
Estimated remaining funds due at closing
$96,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,916.83
Your down payment$83,916.83
Closing costs + prepaids$12,432.43
Total buyer cash needed$96,349.26
Remaining funds due$96,349.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$275.00
Prepaid interest, first (23 days)$1,442.43
Fees + prepaids$12,432.43
Your down payment is the seller’s equity. You take over the $365,083 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $96,349.26 is due at closing. Uses and sources reconcile at $461,432.43 each. Not a Closing Disclosure.