Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$100,215Cash toward the purchase price.
Closing costs + prepaids$11,619Not just lender fees.
Before credits & paid funds$111,834The complete starting cash picture.
Estimated remaining funds due at closing
$111,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,215.17
Your down payment$100,215.17
Closing costs + prepaids$11,619.09
Total buyer cash needed$111,834.25
Remaining funds due$111,834.25
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)$335.25
Prepaid interest, first (1 days)$58.84
Fees + prepaids$11,619.09
Your down payment is the seller’s equity. You take over the $374,785 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $111,834.25 is due at closing. Uses and sources reconcile at $486,619.09 each. Not a Closing Disclosure.