Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$100,259Cash toward the purchase price.
Closing costs + prepaids$12,580Not just lender fees.
Before credits & paid funds$112,839The complete starting cash picture.
Estimated remaining funds due at closing
$112,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,259.39
Your down payment$100,259.39
Closing costs + prepaids$12,579.61
Total buyer cash needed$112,839.00
Remaining funds due$112,839.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$558.00
Initial HOA (3 months)$50.01
Prepaid interest, first (12 days)$846.60
Fees + prepaids$12,579.61
Your down payment is the seller’s equity. You take over the $364,741 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $112,839.00 is due at closing. Uses and sources reconcile at $477,579.61 each. Not a Closing Disclosure.