Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$85,829Cash toward the purchase price.
Closing costs + prepaids$12,600Not just lender fees.
Before credits & paid funds$98,429The complete starting cash picture.
Estimated remaining funds due at closing
$98,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,828.63
Your down payment$85,828.63
Closing costs + prepaids$12,600.30
Total buyer cash needed$98,428.93
Remaining funds due$98,428.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$478.75
Initial HOA (3 months)$198.00
Prepaid interest, first (22 days)$1,498.55
Fees + prepaids$12,600.30
Your down payment is the seller’s equity. You take over the $334,171 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $98,428.93 is due at closing. Uses and sources reconcile at $432,600.30 each. Not a Closing Disclosure.