Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$96,577Cash toward the purchase price.
Closing costs + prepaids$11,719Not just lender fees.
Before credits & paid funds$108,296The complete starting cash picture.
Estimated remaining funds due at closing
$108,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,576.98
Your down payment$96,576.98
Closing costs + prepaids$11,718.81
Total buyer cash needed$108,295.78
Remaining funds due$108,295.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$510.75
Initial HOA (3 months)$224.01
Prepaid interest, first (25 days)$659.05
Fees + prepaids$11,718.81
Your down payment is the seller’s equity. You take over the $313,423 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $108,295.78 is due at closing. Uses and sources reconcile at $421,718.81 each. Not a Closing Disclosure.