Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,413Cash toward the purchase price.
Closing costs + prepaids$12,805Not just lender fees.
Before credits & paid funds$88,217The complete starting cash picture.
Estimated remaining funds due at closing
$88,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,412.89
Your down payment$75,412.89
Closing costs + prepaids$12,804.55
Total buyer cash needed$88,217.44
Remaining funds due$88,217.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$394.50
Initial HOA (3 months)$279.00
Prepaid interest, first (31 days)$1,406.15
Fees + prepaids$12,804.55
Your down payment is the seller’s equity. You take over the $374,577 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $88,217.44 is due at closing. Uses and sources reconcile at $462,794.55 each. Not a Closing Disclosure.