Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$107,203Cash toward the purchase price.
Closing costs + prepaids$14,402Not just lender fees.
Before credits & paid funds$121,605The complete starting cash picture.
Estimated remaining funds due at closing
$121,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,202.86
Your down payment$107,202.86
Closing costs + prepaids$14,402.46
Total buyer cash needed$121,605.32
Remaining funds due$121,605.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$1,175.00
Initial HOA (3 months)$120.99
Prepaid interest, first (28 days)$1,931.47
Fees + prepaids$14,402.46
Your down payment is the seller’s equity. You take over the $362,797 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $121,605.32 is due at closing. Uses and sources reconcile at $484,402.46 each. Not a Closing Disclosure.