Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$85,467Cash toward the purchase price.
Closing costs + prepaids$11,731Not just lender fees.
Before credits & paid funds$97,197The complete starting cash picture.
Estimated remaining funds due at closing
$97,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,466.62
Your down payment$85,466.62
Closing costs + prepaids$11,730.88
Total buyer cash needed$97,197.50
Remaining funds due$97,197.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$540.00
Initial HOA (3 months)$50.01
Prepaid interest, first (6 days)$415.87
Fees + prepaids$11,730.88
Your down payment is the seller’s equity. You take over the $364,533 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $97,197.50 is due at closing. Uses and sources reconcile at $461,730.88 each. Not a Closing Disclosure.