Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$87,207Cash toward the purchase price.
Closing costs + prepaids$12,300Not just lender fees.
Before credits & paid funds$99,507The complete starting cash picture.
Estimated remaining funds due at closing
$99,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,207.22
Your down payment$87,207.22
Closing costs + prepaids$12,299.92
Total buyer cash needed$99,507.15
Remaining funds due$99,507.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$582.25
Initial HOA (3 months)$450.00
Prepaid interest, first (28 days)$892.67
Fees + prepaids$12,299.92
Your down payment is the seller’s equity. You take over the $327,793 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $99,507.15 is due at closing. Uses and sources reconcile at $427,299.92 each. Not a Closing Disclosure.