Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$76,548Cash toward the purchase price.
Closing costs + prepaids$14,050Not just lender fees.
Before credits & paid funds$90,598The complete starting cash picture.
Estimated remaining funds due at closing
$90,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,548.16
Your down payment$76,548.16
Closing costs + prepaids$14,049.70
Total buyer cash needed$90,597.86
Remaining funds due$90,597.86
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)$1,090.25
Initial HOA (3 months)$168.00
Prepaid interest, first (31 days)$2,067.45
Fees + prepaids$14,049.70
Your down payment is the seller’s equity. You take over the $373,352 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $90,597.86 is due at closing. Uses and sources reconcile at $463,949.70 each. Not a Closing Disclosure.