Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$100,604Cash toward the purchase price.
Closing costs + prepaids$11,752Not just lender fees.
Before credits & paid funds$112,356The complete starting cash picture.
Estimated remaining funds due at closing
$112,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,604.05
Your down payment$100,604.05
Closing costs + prepaids$11,751.88
Total buyer cash needed$112,355.92
Remaining funds due$112,355.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$431.75
Prepaid interest, first (2 days)$145.13
Fees + prepaids$11,751.88
Your down payment is the seller’s equity. You take over the $369,396 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $112,355.92 is due at closing. Uses and sources reconcile at $481,751.88 each. Not a Closing Disclosure.