Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$84,145Cash toward the purchase price.
Closing costs + prepaids$11,717Not just lender fees.
Before credits & paid funds$95,862The complete starting cash picture.
Estimated remaining funds due at closing
$95,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,145.08
Your down payment$84,145.08
Closing costs + prepaids$11,716.87
Total buyer cash needed$95,861.95
Remaining funds due$95,861.95
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 (1 days)$35.62
Fees + prepaids$11,716.87
Your down payment is the seller’s equity. You take over the $345,755 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $95,861.95 is due at closing. Uses and sources reconcile at $441,616.87 each. Not a Closing Disclosure.