Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$86,016Cash toward the purchase price.
Closing costs + prepaids$11,300Not just lender fees.
Before credits & paid funds$97,316The complete starting cash picture.
Estimated remaining funds due at closing
$97,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,015.87
Your down payment$86,015.87
Closing costs + prepaids$11,300.04
Total buyer cash needed$97,315.91
Remaining funds due$97,315.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,489.90
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)$25.50
Initial HOA (3 months)$495.00
Prepaid interest, first (2 days)$64.64
Fees + prepaids$11,300.04
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $448,990 price is paid at closing. A second mortgage can cover part of it. $97,315.91 is due at closing. Uses and sources reconcile at $460,290.04 each. Not a Closing Disclosure.