Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$107,873Cash toward the purchase price.
Closing costs + prepaids$13,700Not just lender fees.
Before credits & paid funds$121,573The complete starting cash picture.
Estimated remaining funds due at closing
$121,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,872.80
Your down payment$107,872.80
Closing costs + prepaids$13,700.14
Total buyer cash needed$121,572.93
Remaining funds due$121,572.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$1,839.50
Prepaid interest, first (23 days)$1,335.64
Fees + prepaids$13,700.14
Your down payment is the seller’s equity. You take over the $322,127 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $121,572.93 is due at closing. Uses and sources reconcile at $443,700.14 each. Not a Closing Disclosure.