Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$107,119Cash toward the purchase price.
Closing costs + prepaids$12,208Not just lender fees.
Before credits & paid funds$119,328The complete starting cash picture.
Estimated remaining funds due at closing
$119,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,119.47
Your down payment$107,119.47
Closing costs + prepaids$12,208.24
Total buyer cash needed$119,327.71
Remaining funds due$119,327.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,340.00
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)$542.50
Prepaid interest, first (17 days)$1,100.74
Fees + prepaids$12,208.24
Your down payment is the seller’s equity. You take over the $326,881 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $119,327.71 is due at closing. Uses and sources reconcile at $446,208.24 each. Not a Closing Disclosure.