Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$98,569Cash toward the purchase price.
Closing costs + prepaids$12,967Not just lender fees.
Before credits & paid funds$111,536The complete starting cash picture.
Estimated remaining funds due at closing
$111,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,569.28
Your down payment$98,569.28
Closing costs + prepaids$12,966.74
Total buyer cash needed$111,536.02
Remaining funds due$111,536.02
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 (31 days)$1,244.15
Fees + prepaids$12,966.74
Your down payment is the seller’s equity. You take over the $367,140 balance, so the rest of the $465,709 price is paid at closing. A second mortgage can cover part of it. $111,536.02 is due at closing. Uses and sources reconcile at $478,675.74 each. Not a Closing Disclosure.