Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$94,714Cash toward the purchase price.
Closing costs + prepaids$13,888Not just lender fees.
Before credits & paid funds$108,601The complete starting cash picture.
Estimated remaining funds due at closing
$108,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,713.62
Your down payment$94,713.62
Closing costs + prepaids$13,887.61
Total buyer cash needed$108,601.23
Remaining funds due$108,601.23
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)$916.25
Prepaid interest, first (28 days)$1,846.36
Fees + prepaids$13,887.61
Your down payment is the seller’s equity. You take over the $370,286 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $108,601.23 is due at closing. Uses and sources reconcile at $478,887.61 each. Not a Closing Disclosure.