Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$93,016Cash toward the purchase price.
Closing costs + prepaids$11,126Not just lender fees.
Before credits & paid funds$104,142The complete starting cash picture.
Estimated remaining funds due at closing
$104,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,015.87
Your down payment$93,015.87
Closing costs + prepaids$11,125.79
Total buyer cash needed$104,141.66
Remaining funds due$104,141.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,559.90
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)$26.25
Prepaid interest, first (2 days)$64.64
Fees + prepaids$11,125.79
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $455,990 price is paid at closing. A second mortgage can cover part of it. $104,141.66 is due at closing. Uses and sources reconcile at $467,115.79 each. Not a Closing Disclosure.