Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$75,793Cash toward the purchase price.
Closing costs + prepaids$13,589Not just lender fees.
Before credits & paid funds$89,382The complete starting cash picture.
Estimated remaining funds due at closing
$89,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,793.00
Your down payment$75,793.00
Closing costs + prepaids$13,588.83
Total buyer cash needed$89,381.83
Remaining funds due$89,381.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$1,832.25
Initial HOA (3 months)$45.99
Prepaid interest, first (28 days)$1,386.59
Fees + prepaids$13,588.83
Your down payment is the seller’s equity. You take over the $334,107 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $89,381.83 is due at closing. Uses and sources reconcile at $423,488.83 each. Not a Closing Disclosure.