Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$106,394Cash toward the purchase price.
Closing costs + prepaids$14,188Not just lender fees.
Before credits & paid funds$120,582The complete starting cash picture.
Estimated remaining funds due at closing
$120,582No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,394.50
Your down payment$106,394.50
Closing costs + prepaids$14,187.70
Total buyer cash needed$120,582.20
Remaining funds due$120,582.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,349.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$420.75
Prepaid interest, first (25 days)$1,942.95
Fees + prepaids$14,187.70
Your down payment is the seller’s equity. You take over the $428,506 balance, so the rest of the $534,900 price is paid at closing. A second mortgage can cover part of it. $120,582.20 is due at closing. Uses and sources reconcile at $549,087.70 each. Not a Closing Disclosure.