Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$86,393Cash toward the purchase price.
Closing costs + prepaids$13,646Not just lender fees.
Before credits & paid funds$100,039The complete starting cash picture.
Estimated remaining funds due at closing
$100,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,393.26
Your down payment$86,393.26
Closing costs + prepaids$13,646.16
Total buyer cash needed$100,039.42
Remaining funds due$100,039.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,174.75
Prepaid interest, first (18 days)$1,297.41
Fees + prepaids$13,646.16
Your down payment is the seller’s equity. You take over the $383,507 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $100,039.42 is due at closing. Uses and sources reconcile at $483,546.16 each. Not a Closing Disclosure.