Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$94,689Cash toward the purchase price.
Closing costs + prepaids$12,680Not just lender fees.
Before credits & paid funds$107,368The complete starting cash picture.
Estimated remaining funds due at closing
$107,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,688.73
Your down payment$94,688.73
Closing costs + prepaids$12,679.71
Total buyer cash needed$107,368.44
Remaining funds due$107,368.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$916.00
Initial HOA (3 months)$675.00
Prepaid interest, first (23 days)$764.71
Fees + prepaids$12,679.71
Your down payment is the seller’s equity. You take over the $315,211 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $107,368.44 is due at closing. Uses and sources reconcile at $422,579.71 each. Not a Closing Disclosure.