Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$85,459Cash toward the purchase price.
Closing costs + prepaids$12,398Not just lender fees.
Before credits & paid funds$97,857The complete starting cash picture.
Estimated remaining funds due at closing
$97,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,459.40
Your down payment$85,459.40
Closing costs + prepaids$12,397.97
Total buyer cash needed$97,857.36
Remaining funds due$97,857.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$500.00
Initial HOA (3 months)$744.00
Prepaid interest, first (17 days)$929.97
Fees + prepaids$12,397.97
Your down payment is the seller’s equity. You take over the $314,441 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $97,857.36 is due at closing. Uses and sources reconcile at $412,297.97 each. Not a Closing Disclosure.