Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$100,015Cash toward the purchase price.
Closing costs + prepaids$12,339Not just lender fees.
Before credits & paid funds$112,354The complete starting cash picture.
Estimated remaining funds due at closing
$112,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,014.73
Your down payment$100,014.73
Closing costs + prepaids$12,339.01
Total buyer cash needed$112,353.75
Remaining funds due$112,353.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$841.00
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$69.01
Fees + prepaids$12,339.01
Your down payment is the seller’s equity. You take over the $369,885 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $112,353.75 is due at closing. Uses and sources reconcile at $482,239.01 each. Not a Closing Disclosure.