Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$110,977Cash toward the purchase price.
Closing costs + prepaids$11,076Not just lender fees.
Before credits & paid funds$122,054The complete starting cash picture.
Estimated remaining funds due at closing
$122,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,977.35
Your down payment$110,977.35
Closing costs + prepaids$11,076.29
Total buyer cash needed$122,053.63
Remaining funds due$122,053.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$340.25
Prepaid interest, first (1 days)$61.04
Fees + prepaids$11,076.29
Your down payment is the seller’s equity. You take over the $334,023 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $122,053.63 is due at closing. Uses and sources reconcile at $456,076.29 each. Not a Closing Disclosure.