Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$104,605Cash toward the purchase price.
Closing costs + prepaids$13,166Not just lender fees.
Before credits & paid funds$117,771The complete starting cash picture.
Estimated remaining funds due at closing
$117,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,605.21
Your down payment$104,605.21
Closing costs + prepaids$13,165.71
Total buyer cash needed$117,770.92
Remaining funds due$117,770.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$593.75
Initial HOA (3 months)$120.00
Prepaid interest, first (17 days)$1,227.96
Fees + prepaids$13,165.71
Your down payment is the seller’s equity. You take over the $370,295 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $117,770.92 is due at closing. Uses and sources reconcile at $488,065.71 each. Not a Closing Disclosure.