Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$81,645Cash toward the purchase price.
Closing costs + prepaids$12,215Not just lender fees.
Before credits & paid funds$93,860The complete starting cash picture.
Estimated remaining funds due at closing
$93,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,644.54
Your down payment$81,644.54
Closing costs + prepaids$12,215.22
Total buyer cash needed$93,859.76
Remaining funds due$93,859.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,540.00
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)$680.75
Initial HOA (3 months)$450.00
Prepaid interest, first (1 days)$69.47
Fees + prepaids$12,215.22
Your down payment is the seller’s equity. You take over the $372,355 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $93,859.76 is due at closing. Uses and sources reconcile at $466,215.22 each. Not a Closing Disclosure.