Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$106,892Cash toward the purchase price.
Closing costs + prepaids$12,084Not just lender fees.
Before credits & paid funds$118,976The complete starting cash picture.
Estimated remaining funds due at closing
$118,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,891.67
Your down payment$106,891.67
Closing costs + prepaids$12,083.98
Total buyer cash needed$118,975.65
Remaining funds due$118,975.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$550.00
Prepaid interest, first (15 days)$908.98
Fees + prepaids$12,083.98
Your down payment is the seller’s equity. You take over the $333,108 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $118,975.65 is due at closing. Uses and sources reconcile at $452,083.98 each. Not a Closing Disclosure.