Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$95,963Cash toward the purchase price.
Closing costs + prepaids$12,895Not just lender fees.
Before credits & paid funds$108,858The complete starting cash picture.
Estimated remaining funds due at closing
$108,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,962.76
Your down payment$95,962.76
Closing costs + prepaids$12,894.83
Total buyer cash needed$108,857.58
Remaining funds due$108,857.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,960.00
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)$673.75
Initial HOA (3 months)$711.00
Prepaid interest, first (1 days)$75.08
Fees + prepaids$12,894.83
Your down payment is the seller’s equity. You take over the $400,037 balance, so the rest of the $496,000 price is paid at closing. A second mortgage can cover part of it. $108,857.58 is due at closing. Uses and sources reconcile at $508,894.83 each. Not a Closing Disclosure.