Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$103,390Cash toward the purchase price.
Closing costs + prepaids$12,703Not just lender fees.
Before credits & paid funds$116,092The complete starting cash picture.
Estimated remaining funds due at closing
$116,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,389.66
Your down payment$103,389.66
Closing costs + prepaids$12,702.69
Total buyer cash needed$116,092.35
Remaining funds due$116,092.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.99
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)$484.25
Initial HOA (3 months)$125.01
Prepaid interest, first (28 days)$1,568.44
Fees + prepaids$12,702.69
Your down payment is the seller’s equity. You take over the $326,609 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $116,092.35 is due at closing. Uses and sources reconcile at $442,701.69 each. Not a Closing Disclosure.