Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$92,791Cash toward the purchase price.
Closing costs + prepaids$12,979Not just lender fees.
Before credits & paid funds$105,770The complete starting cash picture.
Estimated remaining funds due at closing
$105,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,791.24
Your down payment$92,791.24
Closing costs + prepaids$12,978.67
Total buyer cash needed$105,769.91
Remaining funds due$105,769.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,145.00
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)$1,441.00
Prepaid interest, first (24 days)$1,167.67
Fees + prepaids$12,978.67
Your down payment is the seller’s equity. You take over the $321,709 balance, so the rest of the $414,500 price is paid at closing. A second mortgage can cover part of it. $105,769.91 is due at closing. Uses and sources reconcile at $427,478.67 each. Not a Closing Disclosure.