Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$106,228Cash toward the purchase price.
Closing costs + prepaids$12,171Not just lender fees.
Before credits & paid funds$118,399The complete starting cash picture.
Estimated remaining funds due at closing
$118,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,228.25
Your down payment$106,228.25
Closing costs + prepaids$12,170.78
Total buyer cash needed$118,399.03
Remaining funds due$118,399.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,150.00
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)$467.50
Prepaid interest, first (1 days)$78.28
Fees + prepaids$12,170.78
Your down payment is the seller’s equity. You take over the $408,772 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $118,399.03 is due at closing. Uses and sources reconcile at $527,170.78 each. Not a Closing Disclosure.