Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,046Cash toward the purchase price.
Closing costs + prepaids$12,595Not just lender fees.
Before credits & paid funds$100,641The complete starting cash picture.
Estimated remaining funds due at closing
$100,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,046.38
Your down payment$88,046.38
Closing costs + prepaids$12,594.58
Total buyer cash needed$100,640.96
Remaining funds due$100,640.96
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)$336.25
Prepaid interest, first (27 days)$1,643.33
Fees + prepaids$12,594.58
Your down payment is the seller’s equity. You take over the $350,954 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $100,640.96 is due at closing. Uses and sources reconcile at $451,594.58 each. Not a Closing Disclosure.