Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$91,734Cash toward the purchase price.
Closing costs + prepaids$14,316Not just lender fees.
Before credits & paid funds$106,050The complete starting cash picture.
Estimated remaining funds due at closing
$106,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,734.23
Your down payment$91,734.23
Closing costs + prepaids$14,315.79
Total buyer cash needed$106,050.02
Remaining funds due$106,050.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$2,193.00
Prepaid interest, first (25 days)$1,607.79
Fees + prepaids$14,315.79
Your down payment is the seller’s equity. You take over the $337,266 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $106,050.02 is due at closing. Uses and sources reconcile at $443,315.79 each. Not a Closing Disclosure.