Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$96,611Cash toward the purchase price.
Closing costs + prepaids$12,467Not just lender fees.
Before credits & paid funds$109,078The complete starting cash picture.
Estimated remaining funds due at closing
$109,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,611.02
Your down payment$96,611.02
Closing costs + prepaids$12,466.94
Total buyer cash needed$109,077.96
Remaining funds due$109,077.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$1,248.50
Prepaid interest, first (24 days)$993.45
Fees + prepaids$12,466.94
Your down payment is the seller’s equity. You take over the $303,388 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $109,077.96 is due at closing. Uses and sources reconcile at $412,465.94 each. Not a Closing Disclosure.