Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$94,886Cash toward the purchase price.
Closing costs + prepaids$11,732Not just lender fees.
Before credits & paid funds$106,618The complete starting cash picture.
Estimated remaining funds due at closing
$106,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,886.41
Your down payment$94,886.41
Closing costs + prepaids$11,732.04
Total buyer cash needed$106,618.46
Remaining funds due$106,618.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,627.58
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$118.25
Initial HOA (3 months)$471.00
Prepaid interest, first (1 days)$40.21
Fees + prepaids$11,732.04
Your down payment is the seller’s equity. You take over the $367,872 balance, so the rest of the $462,758 price is paid at closing. A second mortgage can cover part of it. $106,618.46 is due at closing. Uses and sources reconcile at $474,490.04 each. Not a Closing Disclosure.