Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$107,105Cash toward the purchase price.
Closing costs + prepaids$11,525Not just lender fees.
Before credits & paid funds$118,629The complete starting cash picture.
Estimated remaining funds due at closing
$118,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,104.69
Your down payment$107,104.69
Closing costs + prepaids$11,524.70
Total buyer cash needed$118,629.39
Remaining funds due$118,629.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$641.00
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$28.70
Fees + prepaids$11,524.70
Your down payment is the seller’s equity. You take over the $337,895 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $118,629.39 is due at closing. Uses and sources reconcile at $456,524.70 each. Not a Closing Disclosure.