Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$100,020Cash toward the purchase price.
Closing costs + prepaids$13,363Not just lender fees.
Before credits & paid funds$113,383The complete starting cash picture.
Estimated remaining funds due at closing
$113,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,020.44
Your down payment$100,020.44
Closing costs + prepaids$13,362.77
Total buyer cash needed$113,383.21
Remaining funds due$113,383.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,580.40
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)$304.00
Initial HOA (3 months)$309.99
Prepaid interest, first (26 days)$1,693.38
Fees + prepaids$13,362.77
Your down payment is the seller’s equity. You take over the $358,020 balance, so the rest of the $458,040 price is paid at closing. A second mortgage can cover part of it. $113,383.21 is due at closing. Uses and sources reconcile at $471,402.77 each. Not a Closing Disclosure.