Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$82,049Cash toward the purchase price.
Closing costs + prepaids$12,704Not just lender fees.
Before credits & paid funds$94,753The complete starting cash picture.
Estimated remaining funds due at closing
$94,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,049.31
Your down payment$82,049.31
Closing costs + prepaids$12,703.72
Total buyer cash needed$94,753.03
Remaining funds due$94,753.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$544.75
Initial HOA (3 months)$450.00
Prepaid interest, first (10 days)$693.97
Fees + prepaids$12,703.72
Your down payment is the seller’s equity. You take over the $371,951 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $94,753.03 is due at closing. Uses and sources reconcile at $466,703.72 each. Not a Closing Disclosure.