Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$84,348Cash toward the purchase price.
Closing costs + prepaids$13,690Not just lender fees.
Before credits & paid funds$98,038The complete starting cash picture.
Estimated remaining funds due at closing
$98,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,348.03
Your down payment$84,348.03
Closing costs + prepaids$13,690.40
Total buyer cash needed$98,038.42
Remaining funds due$98,038.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.90
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)$82.75
Initial HOA (3 months)$459.00
Prepaid interest, first (31 days)$2,073.75
Fees + prepaids$13,690.40
Your down payment is the seller’s equity. You take over the $375,642 balance, so the rest of the $459,990 price is paid at closing. A second mortgage can cover part of it. $98,038.42 is due at closing. Uses and sources reconcile at $473,680.40 each. Not a Closing Disclosure.