Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$93,477Cash toward the purchase price.
Closing costs + prepaids$11,308Not just lender fees.
Before credits & paid funds$104,785The complete starting cash picture.
Estimated remaining funds due at closing
$104,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,477.35
Your down payment$93,477.35
Closing costs + prepaids$11,308.14
Total buyer cash needed$104,785.48
Remaining funds due$104,785.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.95
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)$525.00
Prepaid interest, first (14 days)$358.19
Fees + prepaids$11,308.14
Your down payment is the seller’s equity. You take over the $326,518 balance, so the rest of the $419,995 price is paid at closing. A second mortgage can cover part of it. $104,785.48 is due at closing. Uses and sources reconcile at $431,303.14 each. Not a Closing Disclosure.