Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$79,159Cash toward the purchase price.
Closing costs + prepaids$11,981Not just lender fees.
Before credits & paid funds$91,140The complete starting cash picture.
Estimated remaining funds due at closing
$91,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,158.62
Your down payment$79,158.62
Closing costs + prepaids$11,981.37
Total buyer cash needed$91,139.98
Remaining funds due$91,139.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$582.25
Initial HOA (3 months)$121.26
Prepaid interest, first (2 days)$152.86
Fees + prepaids$11,981.37
Your down payment is the seller’s equity. You take over the $385,841 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $91,139.98 is due at closing. Uses and sources reconcile at $476,981.37 each. Not a Closing Disclosure.