Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$102,162Cash toward the purchase price.
Closing costs + prepaids$12,161Not just lender fees.
Before credits & paid funds$114,323The complete starting cash picture.
Estimated remaining funds due at closing
$114,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,161.77
Your down payment$102,161.77
Closing costs + prepaids$12,160.85
Total buyer cash needed$114,322.62
Remaining funds due$114,322.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.98
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)$679.75
Initial HOA (3 months)$342.00
Prepaid interest, first (1 days)$64.12
Fees + prepaids$12,160.85
Your down payment is the seller’s equity. You take over the $357,836 balance, so the rest of the $459,998 price is paid at closing. A second mortgage can cover part of it. $114,322.62 is due at closing. Uses and sources reconcile at $472,158.85 each. Not a Closing Disclosure.