Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$89,261Cash toward the purchase price.
Closing costs + prepaids$14,565Not just lender fees.
Before credits & paid funds$103,826The complete starting cash picture.
Estimated remaining funds due at closing
$103,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,260.90
Your down payment$89,260.90
Closing costs + prepaids$14,565.36
Total buyer cash needed$103,826.26
Remaining funds due$103,826.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.99
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)$1,605.75
Initial HOA (3 months)$221.01
Prepaid interest, first (25 days)$1,613.61
Fees + prepaids$14,565.36
Your down payment is the seller’s equity. You take over the $375,738 balance, so the rest of the $464,999 price is paid at closing. A second mortgage can cover part of it. $103,826.26 is due at closing. Uses and sources reconcile at $479,564.36 each. Not a Closing Disclosure.