Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$96,871Cash toward the purchase price.
Closing costs + prepaids$14,250Not just lender fees.
Before credits & paid funds$111,121The complete starting cash picture.
Estimated remaining funds due at closing
$111,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,871.23
Your down payment$96,871.23
Closing costs + prepaids$14,249.72
Total buyer cash needed$111,120.95
Remaining funds due$111,120.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$1,372.00
Initial HOA (3 months)$560.01
Prepaid interest, first (24 days)$1,592.81
Fees + prepaids$14,249.72
Your down payment is the seller’s equity. You take over the $353,119 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $111,120.95 is due at closing. Uses and sources reconcile at $464,239.72 each. Not a Closing Disclosure.