Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$106,876Cash toward the purchase price.
Closing costs + prepaids$11,993Not just lender fees.
Before credits & paid funds$118,868The complete starting cash picture.
Estimated remaining funds due at closing
$118,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,875.62
Your down payment$106,875.62
Closing costs + prepaids$11,992.79
Total buyer cash needed$118,868.41
Remaining funds due$118,868.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$1,139.50
Prepaid interest, first (25 days)$628.39
Fees + prepaids$11,992.79
Your down payment is the seller’s equity. You take over the $293,114 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $118,868.41 is due at closing. Uses and sources reconcile at $411,982.79 each. Not a Closing Disclosure.