Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$100,364Cash toward the purchase price.
Closing costs + prepaids$12,820Not just lender fees.
Before credits & paid funds$113,185The complete starting cash picture.
Estimated remaining funds due at closing
$113,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,364.27
Your down payment$100,364.27
Closing costs + prepaids$12,820.36
Total buyer cash needed$113,184.62
Remaining funds due$113,184.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$564.00
Initial HOA (3 months)$255.00
Prepaid interest, first (12 days)$827.36
Fees + prepaids$12,820.36
Your down payment is the seller’s equity. You take over the $369,536 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $113,184.62 is due at closing. Uses and sources reconcile at $482,720.36 each. Not a Closing Disclosure.