Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$105,091Cash toward the purchase price.
Closing costs + prepaids$11,949Not just lender fees.
Before credits & paid funds$117,040The complete starting cash picture.
Estimated remaining funds due at closing
$117,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,091.06
Your down payment$105,091.06
Closing costs + prepaids$11,948.72
Total buyer cash needed$117,039.78
Remaining funds due$117,039.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$548.00
Prepaid interest, first (2 days)$125.72
Fees + prepaids$11,948.72
Your down payment is the seller’s equity. You take over the $374,909 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $117,039.78 is due at closing. Uses and sources reconcile at $491,948.72 each. Not a Closing Disclosure.