Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$89,423Cash toward the purchase price.
Closing costs + prepaids$13,317Not just lender fees.
Before credits & paid funds$102,739The complete starting cash picture.
Estimated remaining funds due at closing
$102,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,422.60
Your down payment$89,422.60
Closing costs + prepaids$13,316.79
Total buyer cash needed$102,739.39
Remaining funds due$102,739.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$1,074.75
Initial HOA (3 months)$1,005.00
Prepaid interest, first (28 days)$713.04
Fees + prepaids$13,316.79
Your down payment is the seller’s equity. You take over the $340,477 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $102,739.39 is due at closing. Uses and sources reconcile at $443,216.79 each. Not a Closing Disclosure.