Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$81,217Cash toward the purchase price.
Closing costs + prepaids$13,526Not just lender fees.
Before credits & paid funds$94,742The complete starting cash picture.
Estimated remaining funds due at closing
$94,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,216.88
Your down payment$81,216.88
Closing costs + prepaids$13,525.50
Total buyer cash needed$94,742.38
Remaining funds due$94,742.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,165.00
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)$1,639.75
Initial HOA (3 months)$37.50
Prepaid interest, first (25 days)$1,458.25
Fees + prepaids$13,525.50
Your down payment is the seller’s equity. You take over the $335,283 balance, so the rest of the $416,500 price is paid at closing. A second mortgage can cover part of it. $94,742.38 is due at closing. Uses and sources reconcile at $430,025.50 each. Not a Closing Disclosure.