Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$78,504Cash toward the purchase price.
Closing costs + prepaids$12,948Not just lender fees.
Before credits & paid funds$91,453The complete starting cash picture.
Estimated remaining funds due at closing
$91,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,504.16
Your down payment$78,504.16
Closing costs + prepaids$12,948.44
Total buyer cash needed$91,452.61
Remaining funds due$91,452.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$655.75
Initial HOA (3 months)$420.00
Prepaid interest, first (26 days)$807.69
Fees + prepaids$12,948.44
Your down payment is the seller’s equity. You take over the $380,496 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $91,452.61 is due at closing. Uses and sources reconcile at $471,948.44 each. Not a Closing Disclosure.