Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$96,738Cash toward the purchase price.
Closing costs + prepaids$11,543Not just lender fees.
Before credits & paid funds$108,282The complete starting cash picture.
Estimated remaining funds due at closing
$108,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,738.33
Your down payment$96,738.33
Closing costs + prepaids$11,543.41
Total buyer cash needed$108,281.73
Remaining funds due$108,281.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$504.00
Initial HOA (3 months)$300.00
Prepaid interest, first (10 days)$314.41
Fees + prepaids$11,543.41
Your down payment is the seller’s equity. You take over the $323,262 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $108,281.73 is due at closing. Uses and sources reconcile at $431,543.41 each. Not a Closing Disclosure.