Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$112,689Cash toward the purchase price.
Closing costs + prepaids$12,853Not just lender fees.
Before credits & paid funds$125,542The complete starting cash picture.
Estimated remaining funds due at closing
$125,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,689.32
Your down payment$112,689.32
Closing costs + prepaids$12,852.73
Total buyer cash needed$125,542.04
Remaining funds due$125,542.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$1,172.50
Initial HOA (3 months)$459.00
Prepaid interest, first (2 days)$56.23
Fees + prepaids$12,852.73
Your down payment is the seller’s equity. You take over the $356,311 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $125,542.04 is due at closing. Uses and sources reconcile at $481,852.73 each. Not a Closing Disclosure.