Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$98,964Cash toward the purchase price.
Closing costs + prepaids$11,808Not just lender fees.
Before credits & paid funds$110,771The complete starting cash picture.
Estimated remaining funds due at closing
$110,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,963.53
Your down payment$98,963.53
Closing costs + prepaids$11,807.90
Total buyer cash needed$110,771.42
Remaining funds due$110,771.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$510.00
Initial HOA (3 months)$264.00
Prepaid interest, first (10 days)$559.90
Fees + prepaids$11,807.90
Your down payment is the seller’s equity. You take over the $325,936 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $110,771.42 is due at closing. Uses and sources reconcile at $436,707.90 each. Not a Closing Disclosure.