Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$87,549Cash toward the purchase price.
Closing costs + prepaids$12,912Not just lender fees.
Before credits & paid funds$100,461The complete starting cash picture.
Estimated remaining funds due at closing
$100,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,548.56
Your down payment$87,548.56
Closing costs + prepaids$12,912.21
Total buyer cash needed$100,460.76
Remaining funds due$100,460.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$581.75
Prepaid interest, first (31 days)$1,606.46
Fees + prepaids$12,912.21
Your down payment is the seller’s equity. You take over the $362,351 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $100,460.76 is due at closing. Uses and sources reconcile at $462,812.21 each. Not a Closing Disclosure.