Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$84,348Cash toward the purchase price.
Closing costs + prepaids$12,755Not just lender fees.
Before credits & paid funds$97,103The complete starting cash picture.
Estimated remaining funds due at closing
$97,103No 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$12,754.85
Total buyer cash needed$97,102.88
Remaining funds due$97,102.88
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)$552.00
Initial HOA (3 months)$459.00
Prepaid interest, first (10 days)$668.95
Fees + prepaids$12,754.85
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. $97,102.88 is due at closing. Uses and sources reconcile at $472,744.85 each. Not a Closing Disclosure.