Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,144Cash toward the purchase price.
Closing costs + prepaids$11,802Not just lender fees.
Before credits & paid funds$94,946The complete starting cash picture.
Estimated remaining funds due at closing
$94,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,143.60
Your down payment$83,143.60
Closing costs + prepaids$11,802.09
Total buyer cash needed$94,945.68
Remaining funds due$94,945.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$447.75
Initial HOA (3 months)$261.00
Prepaid interest, first (30 days)$768.34
Fees + prepaids$11,802.09
Your down payment is the seller’s equity. You take over the $326,856 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $94,945.68 is due at closing. Uses and sources reconcile at $421,802.09 each. Not a Closing Disclosure.