Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$84,817Cash toward the purchase price.
Closing costs + prepaids$12,357Not just lender fees.
Before credits & paid funds$97,173The complete starting cash picture.
Estimated remaining funds due at closing
$97,173No 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$12,356.67
Total buyer cash needed$97,173.47
Remaining funds due$97,173.47
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)$752.25
Initial HOA (3 months)$405.00
Prepaid interest, first (19 days)$675.42
Fees + prepaids$12,356.67
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. $97,173.47 is due at closing. Uses and sources reconcile at $442,256.67 each. Not a Closing Disclosure.