Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$97,533Cash toward the purchase price.
Closing costs + prepaids$12,664Not just lender fees.
Before credits & paid funds$110,197The complete starting cash picture.
Estimated remaining funds due at closing
$110,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,533.32
Your down payment$97,533.32
Closing costs + prepaids$12,664.04
Total buyer cash needed$110,197.37
Remaining funds due$110,197.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$1,875.00
Prepaid interest, first (23 days)$564.14
Fees + prepaids$12,664.04
Your down payment is the seller’s equity. You take over the $302,457 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $110,197.37 is due at closing. Uses and sources reconcile at $412,654.04 each. Not a Closing Disclosure.