Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,259Cash toward the purchase price.
Closing costs + prepaids$12,724Not just lender fees.
Before credits & paid funds$97,983The complete starting cash picture.
Estimated remaining funds due at closing
$97,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,259.47
Your down payment$85,259.47
Closing costs + prepaids$12,723.69
Total buyer cash needed$97,983.16
Remaining funds due$97,983.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.90
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)$22.50
Initial HOA (3 months)$171.00
Prepaid interest, first (27 days)$1,455.29
Fees + prepaids$12,723.69
Your down payment is the seller’s equity. You take over the $374,731 balance, so the rest of the $459,990 price is paid at closing. A second mortgage can cover part of it. $97,983.16 is due at closing. Uses and sources reconcile at $472,713.69 each. Not a Closing Disclosure.