Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$87,162Cash toward the purchase price.
Closing costs + prepaids$13,859Not just lender fees.
Before credits & paid funds$101,022The complete starting cash picture.
Estimated remaining funds due at closing
$101,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,162.25
Your down payment$87,162.25
Closing costs + prepaids$13,859.48
Total buyer cash needed$101,021.73
Remaining funds due$101,021.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$2,026.25
Prepaid interest, first (30 days)$1,118.23
Fees + prepaids$13,859.48
Your down payment is the seller’s equity. You take over the $361,838 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $101,021.73 is due at closing. Uses and sources reconcile at $462,859.48 each. Not a Closing Disclosure.