Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$108,733Cash toward the purchase price.
Closing costs + prepaids$11,535Not just lender fees.
Before credits & paid funds$120,268The complete starting cash picture.
Estimated remaining funds due at closing
$120,268No 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$11,534.83
Total buyer cash needed$120,267.97
Remaining funds due$120,267.97
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)$505.25
Prepaid interest, first (10 days)$594.59
Fees + prepaids$11,534.83
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. $120,267.97 is due at closing. Uses and sources reconcile at $432,533.83 each. Not a Closing Disclosure.