Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$83,842Cash toward the purchase price.
Closing costs + prepaids$12,257Not just lender fees.
Before credits & paid funds$96,099The complete starting cash picture.
Estimated remaining funds due at closing
$96,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,842.14
Your down payment$83,842.14
Closing costs + prepaids$12,257.24
Total buyer cash needed$96,099.38
Remaining funds due$96,099.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$498.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (12 days)$334.24
Fees + prepaids$12,257.24
Your down payment is the seller’s equity. You take over the $331,158 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $96,099.38 is due at closing. Uses and sources reconcile at $427,257.24 each. Not a Closing Disclosure.