Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$82,686Cash toward the purchase price.
Closing costs + prepaids$11,354Not just lender fees.
Before credits & paid funds$94,040The complete starting cash picture.
Estimated remaining funds due at closing
$94,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,686.42
Your down payment$82,686.42
Closing costs + prepaids$11,353.72
Total buyer cash needed$94,040.14
Remaining funds due$94,040.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$414.00
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$34.72
Fees + prepaids$11,353.72
Your down payment is the seller’s equity. You take over the $367,314 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $94,040.14 is due at closing. Uses and sources reconcile at $461,353.72 each. Not a Closing Disclosure.