Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$73,091Cash toward the purchase price.
Closing costs + prepaids$12,102Not just lender fees.
Before credits & paid funds$85,193The complete starting cash picture.
Estimated remaining funds due at closing
$85,193No 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$12,102.41
Total buyer cash needed$85,193.23
Remaining funds due$85,193.23
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)$526.75
Initial HOA (3 months)$294.00
Prepaid interest, first (10 days)$666.66
Fees + prepaids$12,102.41
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. $85,193.23 is due at closing. Uses and sources reconcile at $451,102.41 each. Not a Closing Disclosure.