Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$71,808Cash toward the purchase price.
Closing costs + prepaids$13,090Not just lender fees.
Before credits & paid funds$84,898The complete starting cash picture.
Estimated remaining funds due at closing
$84,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,807.69
Your down payment$71,807.69
Closing costs + prepaids$13,090.16
Total buyer cash needed$84,897.86
Remaining funds due$84,897.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$162.25
Initial HOA (3 months)$555.00
Prepaid interest, first (27 days)$1,648.01
Fees + prepaids$13,090.16
Your down payment is the seller’s equity. You take over the $378,182 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $84,897.86 is due at closing. Uses and sources reconcile at $463,080.16 each. Not a Closing Disclosure.