Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$110,025Cash toward the purchase price.
Closing costs + prepaids$13,883Not just lender fees.
Before credits & paid funds$123,909The complete starting cash picture.
Estimated remaining funds due at closing
$123,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,025.44
Your down payment$110,025.44
Closing costs + prepaids$13,883.22
Total buyer cash needed$123,908.66
Remaining funds due$123,908.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,479.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,456.50
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$1,647.72
Fees + prepaids$13,883.22
Your down payment is the seller’s equity. You take over the $337,875 balance, so the rest of the $447,900 price is paid at closing. A second mortgage can cover part of it. $123,908.66 is due at closing. Uses and sources reconcile at $461,783.22 each. Not a Closing Disclosure.