Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$101,817Cash toward the purchase price.
Closing costs + prepaids$11,734Not just lender fees.
Before credits & paid funds$113,551The complete starting cash picture.
Estimated remaining funds due at closing
$113,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,816.78
Your down payment$101,816.78
Closing costs + prepaids$11,733.86
Total buyer cash needed$113,550.64
Remaining funds due$113,550.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,170.00
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)$521.25
Initial HOA (3 months)$135.00
Prepaid interest, first (17 days)$682.61
Fees + prepaids$11,733.86
Your down payment is the seller’s equity. You take over the $315,183 balance, so the rest of the $417,000 price is paid at closing. A second mortgage can cover part of it. $113,550.64 is due at closing. Uses and sources reconcile at $428,733.86 each. Not a Closing Disclosure.