Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$104,067Cash toward the purchase price.
Closing costs + prepaids$11,347Not just lender fees.
Before credits & paid funds$115,415The complete starting cash picture.
Estimated remaining funds due at closing
$115,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,067.44
Your down payment$104,067.44
Closing costs + prepaids$11,347.44
Total buyer cash needed$115,414.89
Remaining funds due$115,414.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$516.00
Prepaid interest, first (12 days)$307.44
Fees + prepaids$11,347.44
Your down payment is the seller’s equity. You take over the $325,833 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $115,414.89 is due at closing. Uses and sources reconcile at $441,247.44 each. Not a Closing Disclosure.