Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$102,755Cash toward the purchase price.
Closing costs + prepaids$11,778Not just lender fees.
Before credits & paid funds$114,534The complete starting cash picture.
Estimated remaining funds due at closing
$114,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,755.46
Your down payment$102,755.46
Closing costs + prepaids$11,778.31
Total buyer cash needed$114,533.77
Remaining funds due$114,533.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$537.50
Prepaid interest, first (16 days)$715.81
Fees + prepaids$11,778.31
Your down payment is the seller’s equity. You take over the $327,245 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $114,533.77 is due at closing. Uses and sources reconcile at $441,778.31 each. Not a Closing Disclosure.