Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$102,262Cash toward the purchase price.
Closing costs + prepaids$12,701Not just lender fees.
Before credits & paid funds$114,963The complete starting cash picture.
Estimated remaining funds due at closing
$114,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,261.92
Your down payment$102,261.92
Closing costs + prepaids$12,700.74
Total buyer cash needed$114,962.67
Remaining funds due$114,962.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$997.50
Prepaid interest, first (27 days)$1,488.24
Fees + prepaids$12,700.74
Your down payment is the seller’s equity. You take over the $296,738 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $114,962.67 is due at closing. Uses and sources reconcile at $411,700.74 each. Not a Closing Disclosure.