Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$84,817Cash toward the purchase price.
Closing costs + prepaids$11,800Not just lender fees.
Before credits & paid funds$96,617The complete starting cash picture.
Estimated remaining funds due at closing
$96,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,816.81
Your down payment$84,816.81
Closing costs + prepaids$11,800.48
Total buyer cash needed$96,617.29
Remaining funds due$96,617.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$516.00
Initial HOA (3 months)$405.00
Prepaid interest, first (10 days)$355.48
Fees + prepaids$11,800.48
Your down payment is the seller’s equity. You take over the $345,083 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $96,617.29 is due at closing. Uses and sources reconcile at $441,700.48 each. Not a Closing Disclosure.