Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$73,091Cash toward the purchase price.
Closing costs + prepaids$12,605Not just lender fees.
Before credits & paid funds$85,696The complete starting cash picture.
Estimated remaining funds due at closing
$85,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,090.82
Your down payment$73,090.82
Closing costs + prepaids$12,604.81
Total buyer cash needed$85,695.63
Remaining funds due$85,695.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,390.00
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)$362.50
Initial HOA (3 months)$294.00
Prepaid interest, first (20 days)$1,333.31
Fees + prepaids$12,604.81
Your down payment is the seller’s equity. You take over the $365,909 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $85,695.63 is due at closing. Uses and sources reconcile at $451,604.81 each. Not a Closing Disclosure.