Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$101,344Cash toward the purchase price.
Closing costs + prepaids$12,947Not just lender fees.
Before credits & paid funds$114,291The complete starting cash picture.
Estimated remaining funds due at closing
$114,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,344.17
Your down payment$101,344.17
Closing costs + prepaids$12,946.95
Total buyer cash needed$114,291.12
Remaining funds due$114,291.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,490.00
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)$1,122.50
Prepaid interest, first (28 days)$1,109.45
Fees + prepaids$12,946.95
Your down payment is the seller’s equity. You take over the $347,656 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $114,291.12 is due at closing. Uses and sources reconcile at $461,946.95 each. Not a Closing Disclosure.