Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$109,825Cash toward the purchase price.
Closing costs + prepaids$12,848Not just lender fees.
Before credits & paid funds$122,673The complete starting cash picture.
Estimated remaining funds due at closing
$122,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,824.86
Your down payment$109,824.86
Closing costs + prepaids$12,847.68
Total buyer cash needed$122,672.54
Remaining funds due$122,672.54
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)$581.25
Prepaid interest, first (17 days)$1,141.43
Fees + prepaids$12,847.68
Your down payment is the seller’s equity. You take over the $355,175 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $122,672.54 is due at closing. Uses and sources reconcile at $477,847.68 each. Not a Closing Disclosure.