Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$83,632Cash toward the purchase price.
Closing costs + prepaids$12,287Not just lender fees.
Before credits & paid funds$95,919The complete starting cash picture.
Estimated remaining funds due at closing
$95,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,631.95
Your down payment$83,631.95
Closing costs + prepaids$12,287.44
Total buyer cash needed$95,919.39
Remaining funds due$95,919.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,080.00
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)$1,023.75
Initial HOA (3 months)$201.00
Prepaid interest, first (29 days)$757.69
Fees + prepaids$12,287.44
Your down payment is the seller’s equity. You take over the $324,368 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $95,919.39 is due at closing. Uses and sources reconcile at $420,287.44 each. Not a Closing Disclosure.