Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$94,516Cash toward the purchase price.
Closing costs + prepaids$13,195Not just lender fees.
Before credits & paid funds$107,712The complete starting cash picture.
Estimated remaining funds due at closing
$107,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,516.11
Your down payment$94,516.11
Closing costs + prepaids$13,195.40
Total buyer cash needed$107,711.51
Remaining funds due$107,711.51
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)$1,749.00
Prepaid interest, first (23 days)$1,021.40
Fees + prepaids$13,195.40
Your down payment is the seller’s equity. You take over the $325,484 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $107,711.51 is due at closing. Uses and sources reconcile at $433,195.40 each. Not a Closing Disclosure.