Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$96,552Cash toward the purchase price.
Closing costs + prepaids$11,935Not just lender fees.
Before credits & paid funds$108,486The complete starting cash picture.
Estimated remaining funds due at closing
$108,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,551.50
Your down payment$96,551.50
Closing costs + prepaids$11,934.99
Total buyer cash needed$108,486.49
Remaining funds due$108,486.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$1,000.00
Prepaid interest, first (28 days)$709.99
Fees + prepaids$11,934.99
Your down payment is the seller’s equity. You take over the $303,448 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $108,486.49 is due at closing. Uses and sources reconcile at $411,934.99 each. Not a Closing Disclosure.