Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$83,016Cash toward the purchase price.
Closing costs + prepaids$12,441Not just lender fees.
Before credits & paid funds$95,456The complete starting cash picture.
Estimated remaining funds due at closing
$95,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,015.97
Your down payment$83,015.97
Closing costs + prepaids$12,440.52
Total buyer cash needed$95,456.49
Remaining funds due$95,456.49
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)$1,169.25
Initial HOA (3 months)$75.00
Prepaid interest, first (1 days)$71.27
Fees + prepaids$12,440.52
Your down payment is the seller’s equity. You take over the $381,984 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $95,456.49 is due at closing. Uses and sources reconcile at $477,440.52 each. Not a Closing Disclosure.