Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$73,091Cash toward the purchase price.
Closing costs + prepaids$12,036Not just lender fees.
Before credits & paid funds$85,127The complete starting cash picture.
Estimated remaining funds due at closing
$85,127No 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$12,035.74
Total buyer cash needed$85,126.56
Remaining funds due$85,126.56
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 (9 days)$599.99
Fees + prepaids$12,035.74
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. $85,126.56 is due at closing. Uses and sources reconcile at $451,035.74 each. Not a Closing Disclosure.