Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$102,935Cash toward the purchase price.
Closing costs + prepaids$10,991Not just lender fees.
Before credits & paid funds$113,926The complete starting cash picture.
Estimated remaining funds due at closing
$113,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,934.50
Your down payment$102,934.50
Closing costs + prepaids$10,991.03
Total buyer cash needed$113,925.53
Remaining funds due$113,925.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,995.00
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)$479.50
Prepaid interest, first (12 days)$291.53
Fees + prepaids$10,991.03
Your down payment is the seller’s equity. You take over the $296,565 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $113,925.53 is due at closing. Uses and sources reconcile at $410,491.03 each. Not a Closing Disclosure.