Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$108,733Cash toward the purchase price.
Closing costs + prepaids$11,854Not just lender fees.
Before credits & paid funds$120,588The complete starting cash picture.
Estimated remaining funds due at closing
$120,588No 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$11,854.42
Total buyer cash needed$120,587.56
Remaining funds due$120,587.56
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 (20 days)$1,189.18
Fees + prepaids$11,854.42
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. $120,587.56 is due at closing. Uses and sources reconcile at $432,853.42 each. Not a Closing Disclosure.