Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$87,072Cash toward the purchase price.
Closing costs + prepaids$14,864Not just lender fees.
Before credits & paid funds$101,936The complete starting cash picture.
Estimated remaining funds due at closing
$101,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,071.81
Your down payment$87,071.81
Closing costs + prepaids$14,863.88
Total buyer cash needed$101,935.70
Remaining funds due$101,935.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$2,631.50
Initial HOA (3 months)$165.00
Prepaid interest, first (26 days)$1,543.38
Fees + prepaids$14,863.88
Your down payment is the seller’s equity. You take over the $342,828 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $101,935.70 is due at closing. Uses and sources reconcile at $444,763.88 each. Not a Closing Disclosure.