Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$96,543Cash toward the purchase price.
Closing costs + prepaids$12,790Not just lender fees.
Before credits & paid funds$109,332The complete starting cash picture.
Estimated remaining funds due at closing
$109,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,542.51
Your down payment$96,542.51
Closing costs + prepaids$12,789.77
Total buyer cash needed$109,332.27
Remaining funds due$109,332.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.90
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)$1,372.00
Initial HOA (3 months)$560.01
Prepaid interest, first (2 days)$132.86
Fees + prepaids$12,789.77
Your down payment is the seller’s equity. You take over the $353,447 balance, so the rest of the $449,990 price is paid at closing. A second mortgage can cover part of it. $109,332.27 is due at closing. Uses and sources reconcile at $462,779.77 each. Not a Closing Disclosure.