Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$117,021Cash toward the purchase price.
Closing costs + prepaids$12,097Not just lender fees.
Before credits & paid funds$129,118The complete starting cash picture.
Estimated remaining funds due at closing
$129,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,020.63
Your down payment$117,020.63
Closing costs + prepaids$12,097.27
Total buyer cash needed$129,117.91
Remaining funds due$129,117.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$721.50
Prepaid interest, first (23 days)$950.77
Fees + prepaids$12,097.27
Your down payment is the seller’s equity. You take over the $302,979 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $129,117.91 is due at closing. Uses and sources reconcile at $432,097.27 each. Not a Closing Disclosure.