Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$95,623Cash toward the purchase price.
Closing costs + prepaids$12,603Not just lender fees.
Before credits & paid funds$108,226The complete starting cash picture.
Estimated remaining funds due at closing
$108,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,622.88
Your down payment$95,622.88
Closing costs + prepaids$12,602.81
Total buyer cash needed$108,225.68
Remaining funds due$108,225.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,320.00
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)$490.75
Prepaid interest, first (26 days)$1,567.06
Fees + prepaids$12,602.81
Your down payment is the seller’s equity. You take over the $336,377 balance, so the rest of the $432,000 price is paid at closing. A second mortgage can cover part of it. $108,225.68 is due at closing. Uses and sources reconcile at $444,602.81 each. Not a Closing Disclosure.