Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$91,487Cash toward the purchase price.
Closing costs + prepaids$12,549Not just lender fees.
Before credits & paid funds$104,036The complete starting cash picture.
Estimated remaining funds due at closing
$104,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,487.12
Your down payment$91,487.12
Closing costs + prepaids$12,548.67
Total buyer cash needed$104,035.79
Remaining funds due$104,035.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,349.00
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)$773.00
Initial HOA (3 months)$417.00
Prepaid interest, first (20 days)$784.67
Fees + prepaids$12,548.67
Your down payment is the seller’s equity. You take over the $343,413 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $104,035.79 is due at closing. Uses and sources reconcile at $447,448.67 each. Not a Closing Disclosure.