Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$110,639Cash toward the purchase price.
Closing costs + prepaids$11,767Not just lender fees.
Before credits & paid funds$122,406The complete starting cash picture.
Estimated remaining funds due at closing
$122,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,638.51
Your down payment$110,638.51
Closing costs + prepaids$11,766.99
Total buyer cash needed$122,405.51
Remaining funds due$122,405.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,350.00
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)$577.75
Prepaid interest, first (24 days)$614.24
Fees + prepaids$11,766.99
Your down payment is the seller’s equity. You take over the $324,361 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $122,405.51 is due at closing. Uses and sources reconcile at $446,766.99 each. Not a Closing Disclosure.