Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$111,037Cash toward the purchase price.
Closing costs + prepaids$11,770Not just lender fees.
Before credits & paid funds$122,808The complete starting cash picture.
Estimated remaining funds due at closing
$122,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,037.17
Your down payment$111,037.17
Closing costs + prepaids$11,770.36
Total buyer cash needed$122,807.53
Remaining funds due$122,807.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,159.00
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)$679.00
Initial HOA (3 months)$105.99
Prepaid interest, first (25 days)$601.37
Fees + prepaids$11,770.36
Your down payment is the seller’s equity. You take over the $304,863 balance, so the rest of the $415,900 price is paid at closing. A second mortgage can cover part of it. $122,807.53 is due at closing. Uses and sources reconcile at $427,670.36 each. Not a Closing Disclosure.