Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$99,721Cash toward the purchase price.
Closing costs + prepaids$12,706Not just lender fees.
Before credits & paid funds$112,427The complete starting cash picture.
Estimated remaining funds due at closing
$112,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,721.19
Your down payment$99,721.19
Closing costs + prepaids$12,705.84
Total buyer cash needed$112,427.03
Remaining funds due$112,427.03
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)$1,606.50
Prepaid interest, first (29 days)$674.34
Fees + prepaids$12,705.84
Your down payment is the seller’s equity. You take over the $320,279 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $112,427.03 is due at closing. Uses and sources reconcile at $432,705.84 each. Not a Closing Disclosure.