Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$97,817Cash toward the purchase price.
Closing costs + prepaids$12,258Not just lender fees.
Before credits & paid funds$110,076The complete starting cash picture.
Estimated remaining funds due at closing
$110,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,817.16
Your down payment$97,817.16
Closing costs + prepaids$12,258.37
Total buyer cash needed$110,075.53
Remaining funds due$110,075.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$603.00
Prepaid interest, first (18 days)$580.47
Fees + prepaids$12,258.37
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $459,990 price is paid at closing. A second mortgage can cover part of it. $110,075.53 is due at closing. Uses and sources reconcile at $472,248.37 each. Not a Closing Disclosure.