Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$104,046Cash toward the purchase price.
Closing costs + prepaids$13,002Not just lender fees.
Before credits & paid funds$117,048The complete starting cash picture.
Estimated remaining funds due at closing
$117,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,045.75
Your down payment$104,045.75
Closing costs + prepaids$13,001.78
Total buyer cash needed$117,047.52
Remaining funds due$117,047.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$962.00
Initial HOA (3 months)$480.00
Prepaid interest, first (25 days)$1,135.78
Fees + prepaids$13,001.78
Your down payment is the seller’s equity. You take over the $315,854 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $117,047.52 is due at closing. Uses and sources reconcile at $432,901.78 each. Not a Closing Disclosure.