Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$100,364Cash toward the purchase price.
Closing costs + prepaids$13,856Not just lender fees.
Before credits & paid funds$114,220The complete starting cash picture.
Estimated remaining funds due at closing
$114,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,364.27
Your down payment$100,364.27
Closing costs + prepaids$13,855.76
Total buyer cash needed$114,220.03
Remaining funds due$114,220.03
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 (23 days)$1,585.76
Fees + prepaids$13,855.76
Your down payment is the seller’s equity. You take over the $369,536 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $114,220.03 is due at closing. Uses and sources reconcile at $483,755.76 each. Not a Closing Disclosure.