Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$91,552Cash toward the purchase price.
Closing costs + prepaids$12,334Not just lender fees.
Before credits & paid funds$103,886The complete starting cash picture.
Estimated remaining funds due at closing
$103,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,552.16
Your down payment$91,552.16
Closing costs + prepaids$12,333.95
Total buyer cash needed$103,886.12
Remaining funds due$103,886.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,537.25
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)$91.00
Initial HOA (3 months)$360.00
Prepaid interest, first (27 days)$870.70
Fees + prepaids$12,333.95
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $453,725 price is paid at closing. A second mortgage can cover part of it. $103,886.12 is due at closing. Uses and sources reconcile at $466,058.95 each. Not a Closing Disclosure.