Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$93,699Cash toward the purchase price.
Closing costs + prepaids$11,155Not just lender fees.
Before credits & paid funds$104,854The complete starting cash picture.
Estimated remaining funds due at closing
$104,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,699.10
Your down payment$93,699.10
Closing costs + prepaids$11,155.28
Total buyer cash needed$104,854.38
Remaining funds due$104,854.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$380.50
Prepaid interest, first (1 days)$49.78
Fees + prepaids$11,155.28
Your down payment is the seller’s equity. You take over the $356,301 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $104,854.38 is due at closing. Uses and sources reconcile at $461,155.28 each. Not a Closing Disclosure.