Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$100,903Cash toward the purchase price.
Closing costs + prepaids$14,888Not just lender fees.
Before credits & paid funds$115,791The complete starting cash picture.
Estimated remaining funds due at closing
$115,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,903.13
Your down payment$100,903.13
Closing costs + prepaids$14,887.75
Total buyer cash needed$115,790.88
Remaining funds due$115,790.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.90
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)$1,927.75
Initial HOA (3 months)$510.99
Prepaid interest, first (24 days)$1,274.11
Fees + prepaids$14,887.75
Your down payment is the seller’s equity. You take over the $369,087 balance, so the rest of the $469,990 price is paid at closing. A second mortgage can cover part of it. $115,790.88 is due at closing. Uses and sources reconcile at $484,877.75 each. Not a Closing Disclosure.