Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$85,897Cash toward the purchase price.
Closing costs + prepaids$11,423Not just lender fees.
Before credits & paid funds$97,320The complete starting cash picture.
Estimated remaining funds due at closing
$97,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,896.66
Your down payment$85,896.66
Closing costs + prepaids$11,423.24
Total buyer cash needed$97,319.91
Remaining funds due$97,319.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$461.00
Prepaid interest, first (31 days)$747.24
Fees + prepaids$11,423.24
Your down payment is the seller’s equity. You take over the $313,103 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $97,319.91 is due at closing. Uses and sources reconcile at $410,423.24 each. Not a Closing Disclosure.