Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$96,268Cash toward the purchase price.
Closing costs + prepaids$12,422Not just lender fees.
Before credits & paid funds$108,690The complete starting cash picture.
Estimated remaining funds due at closing
$108,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,267.51
Your down payment$96,267.51
Closing costs + prepaids$12,422.14
Total buyer cash needed$108,689.65
Remaining funds due$108,689.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,240.00
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)$865.00
Initial HOA (3 months)$75.00
Prepaid interest, first (24 days)$1,017.14
Fees + prepaids$12,422.14
Your down payment is the seller’s equity. You take over the $327,732 balance, so the rest of the $424,000 price is paid at closing. A second mortgage can cover part of it. $108,689.65 is due at closing. Uses and sources reconcile at $436,422.14 each. Not a Closing Disclosure.