Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$97,837Cash toward the purchase price.
Closing costs + prepaids$11,763Not just lender fees.
Before credits & paid funds$109,600The complete starting cash picture.
Estimated remaining funds due at closing
$109,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,837.41
Your down payment$97,837.41
Closing costs + prepaids$11,762.80
Total buyer cash needed$109,600.22
Remaining funds due$109,600.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,657.09
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)$119.50
Initial HOA (3 months)$471.00
Prepaid interest, first (1 days)$40.21
Fees + prepaids$11,762.80
Your down payment is the seller’s equity. You take over the $367,872 balance, so the rest of the $465,709 price is paid at closing. A second mortgage can cover part of it. $109,600.22 is due at closing. Uses and sources reconcile at $477,471.80 each. Not a Closing Disclosure.