Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$86,606Cash toward the purchase price.
Closing costs + prepaids$15,009Not just lender fees.
Before credits & paid funds$101,615The complete starting cash picture.
Estimated remaining funds due at closing
$101,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,605.84
Your down payment$86,605.84
Closing costs + prepaids$15,009.29
Total buyer cash needed$101,615.13
Remaining funds due$101,615.13
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)$1,304.25
Initial HOA (3 months)$189.00
Prepaid interest, first (31 days)$2,391.04
Fees + prepaids$15,009.29
Your down payment is the seller’s equity. You take over the $378,394 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $101,615.13 is due at closing. Uses and sources reconcile at $480,009.29 each. Not a Closing Disclosure.