Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$101,942Cash toward the purchase price.
Closing costs + prepaids$12,667Not just lender fees.
Before credits & paid funds$114,609The complete starting cash picture.
Estimated remaining funds due at closing
$114,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,942.00
Your down payment$101,942.00
Closing costs + prepaids$12,667.35
Total buyer cash needed$114,609.35
Remaining funds due$114,609.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,697.00
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)$649.00
Prepaid interest, first (24 days)$846.35
Fees + prepaids$12,667.35
Your down payment is the seller’s equity. You take over the $367,758 balance, so the rest of the $469,700 price is paid at closing. A second mortgage can cover part of it. $114,609.35 is due at closing. Uses and sources reconcile at $482,367.35 each. Not a Closing Disclosure.