Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$102,367Cash toward the purchase price.
Closing costs + prepaids$11,998Not just lender fees.
Before credits & paid funds$114,365The complete starting cash picture.
Estimated remaining funds due at closing
$114,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,366.63
Your down payment$102,366.63
Closing costs + prepaids$11,998.27
Total buyer cash needed$114,364.90
Remaining funds due$114,364.90
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 (15 days)$935.77
Fees + prepaids$11,998.27
Your down payment is the seller’s equity. You take over the $327,633 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $114,364.90 is due at closing. Uses and sources reconcile at $441,998.27 each. Not a Closing Disclosure.