Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$101,138Cash toward the purchase price.
Closing costs + prepaids$14,312Not just lender fees.
Before credits & paid funds$115,450The complete starting cash picture.
Estimated remaining funds due at closing
$115,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,137.74
Your down payment$101,137.74
Closing costs + prepaids$14,311.84
Total buyer cash needed$115,449.57
Remaining funds due$115,449.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$1,499.75
Initial HOA (3 months)$90.00
Prepaid interest, first (24 days)$1,497.09
Fees + prepaids$14,311.84
Your down payment is the seller’s equity. You take over the $373,862 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $115,449.57 is due at closing. Uses and sources reconcile at $489,311.84 each. Not a Closing Disclosure.