Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$78,606Cash toward the purchase price.
Closing costs + prepaids$12,782Not just lender fees.
Before credits & paid funds$91,388The complete starting cash picture.
Estimated remaining funds due at closing
$91,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,605.78
Your down payment$78,605.78
Closing costs + prepaids$12,782.12
Total buyer cash needed$91,387.90
Remaining funds due$91,387.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,480.00
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)$511.75
Initial HOA (3 months)$105.00
Prepaid interest, first (26 days)$1,460.37
Fees + prepaids$12,782.12
Your down payment is the seller’s equity. You take over the $369,394 balance, so the rest of the $448,000 price is paid at closing. A second mortgage can cover part of it. $91,387.90 is due at closing. Uses and sources reconcile at $460,782.12 each. Not a Closing Disclosure.