Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$97,238Cash toward the purchase price.
Closing costs + prepaids$11,455Not just lender fees.
Before credits & paid funds$108,692The complete starting cash picture.
Estimated remaining funds due at closing
$108,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,237.55
Your down payment$97,237.55
Closing costs + prepaids$11,454.53
Total buyer cash needed$108,692.08
Remaining funds due$108,692.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,759.90
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)$26.50
Initial HOA (3 months)$132.00
Prepaid interest, first (1 days)$61.13
Fees + prepaids$11,454.53
Your down payment is the seller’s equity. You take over the $378,752 balance, so the rest of the $475,990 price is paid at closing. A second mortgage can cover part of it. $108,692.08 is due at closing. Uses and sources reconcile at $487,444.53 each. Not a Closing Disclosure.