Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$91,524Cash toward the purchase price.
Closing costs + prepaids$11,421Not just lender fees.
Before credits & paid funds$102,944The complete starting cash picture.
Estimated remaining funds due at closing
$102,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,523.92
Your down payment$91,523.92
Closing costs + prepaids$11,420.55
Total buyer cash needed$102,944.47
Remaining funds due$102,944.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$253.25
Prepaid interest, first (27 days)$743.30
Fees + prepaids$11,420.55
Your down payment is the seller’s equity. You take over the $328,376 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $102,944.47 is due at closing. Uses and sources reconcile at $431,320.55 each. Not a Closing Disclosure.