Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$82,670Cash toward the purchase price.
Closing costs + prepaids$13,661Not just lender fees.
Before credits & paid funds$96,331The complete starting cash picture.
Estimated remaining funds due at closing
$96,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,670.01
Your down payment$82,670.01
Closing costs + prepaids$13,661.26
Total buyer cash needed$96,331.26
Remaining funds due$96,331.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$1,797.50
Initial HOA (3 months)$324.00
Prepaid interest, first (24 days)$1,024.76
Fees + prepaids$13,661.26
Your down payment is the seller’s equity. You take over the $346,330 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $96,331.26 is due at closing. Uses and sources reconcile at $442,661.26 each. Not a Closing Disclosure.