Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$91,309Cash toward the purchase price.
Closing costs + prepaids$12,507Not just lender fees.
Before credits & paid funds$103,816The complete starting cash picture.
Estimated remaining funds due at closing
$103,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,309.05
Your down payment$91,309.05
Closing costs + prepaids$12,507.30
Total buyer cash needed$103,816.35
Remaining funds due$103,816.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$576.25
Prepaid interest, first (23 days)$857.05
Fees + prepaids$12,507.30
Your down payment is the seller’s equity. You take over the $368,591 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $103,816.35 is due at closing. Uses and sources reconcile at $472,407.30 each. Not a Closing Disclosure.