Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$90,466Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$102,812The complete starting cash picture.
Estimated remaining funds due at closing
$102,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,466.22
Your down payment$90,466.22
Closing costs + prepaids$12,345.69
Total buyer cash needed$102,811.91
Remaining funds due$102,811.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$541.25
Initial HOA (3 months)$90.00
Prepaid interest, first (24 days)$1,439.44
Fees + prepaids$12,345.69
Your down payment is the seller’s equity. You take over the $314,534 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $102,811.91 is due at closing. Uses and sources reconcile at $417,345.69 each. Not a Closing Disclosure.