Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$89,823Cash toward the purchase price.
Closing costs + prepaids$14,676Not just lender fees.
Before credits & paid funds$104,498The complete starting cash picture.
Estimated remaining funds due at closing
$104,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,822.55
Your down payment$89,822.55
Closing costs + prepaids$14,675.79
Total buyer cash needed$104,498.34
Remaining funds due$104,498.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$1,733.50
Initial HOA (3 months)$630.00
Prepaid interest, first (25 days)$1,588.29
Fees + prepaids$14,675.79
Your down payment is the seller’s equity. You take over the $360,077 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $104,498.34 is due at closing. Uses and sources reconcile at $464,575.79 each. Not a Closing Disclosure.