Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$88,520Cash toward the purchase price.
Closing costs + prepaids$12,938Not just lender fees.
Before credits & paid funds$101,458The complete starting cash picture.
Estimated remaining funds due at closing
$101,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,520.03
Your down payment$88,520.03
Closing costs + prepaids$12,938.40
Total buyer cash needed$101,458.43
Remaining funds due$101,458.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.99
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)$1,075.00
Prepaid interest, first (23 days)$1,338.41
Fees + prepaids$12,938.40
Your down payment is the seller’s equity. You take over the $341,479 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $101,458.43 is due at closing. Uses and sources reconcile at $442,937.40 each. Not a Closing Disclosure.