Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$108,733Cash toward the purchase price.
Closing costs + prepaids$11,914Not just lender fees.
Before credits & paid funds$120,647The complete starting cash picture.
Estimated remaining funds due at closing
$120,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,733.14
Your down payment$108,733.14
Closing costs + prepaids$11,913.88
Total buyer cash needed$120,647.01
Remaining funds due$120,647.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,209.99
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)$230.25
Prepaid interest, first (21 days)$1,248.64
Fees + prepaids$11,913.88
Your down payment is the seller’s equity. You take over the $312,266 balance, so the rest of the $420,999 price is paid at closing. A second mortgage can cover part of it. $120,647.01 is due at closing. Uses and sources reconcile at $432,912.88 each. Not a Closing Disclosure.