Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$94,300Cash toward the purchase price.
Closing costs + prepaids$12,196Not just lender fees.
Before credits & paid funds$106,496The complete starting cash picture.
Estimated remaining funds due at closing
$106,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,300.41
Your down payment$94,300.41
Closing costs + prepaids$12,195.58
Total buyer cash needed$106,495.99
Remaining funds due$106,495.99
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)$313.00
Initial HOA (3 months)$297.00
Prepaid interest, first (25 days)$1,070.58
Fees + prepaids$12,195.58
Your down payment is the seller’s equity. You take over the $334,700 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $106,495.99 is due at closing. Uses and sources reconcile at $441,195.58 each. Not a Closing Disclosure.