Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$73,387Cash toward the purchase price.
Closing costs + prepaids$13,244Not just lender fees.
Before credits & paid funds$86,631The complete starting cash picture.
Estimated remaining funds due at closing
$86,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,386.58
Your down payment$73,386.58
Closing costs + prepaids$13,244.16
Total buyer cash needed$86,630.74
Remaining funds due$86,630.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,385.00
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)$426.00
Initial HOA (3 months)$84.00
Prepaid interest, first (31 days)$2,124.16
Fees + prepaids$13,244.16
Your down payment is the seller’s equity. You take over the $365,113 balance, so the rest of the $438,500 price is paid at closing. A second mortgage can cover part of it. $86,630.74 is due at closing. Uses and sources reconcile at $451,744.16 each. Not a Closing Disclosure.