Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$105,689Cash toward the purchase price.
Closing costs + prepaids$14,732Not just lender fees.
Before credits & paid funds$120,421The complete starting cash picture.
Estimated remaining funds due at closing
$120,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,689.00
Your down payment$105,689.00
Closing costs + prepaids$14,731.78
Total buyer cash needed$120,420.78
Remaining funds due$120,420.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,299.00
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)$416.00
Prepaid interest, first (30 days)$2,541.78
Fees + prepaids$14,731.78
Your down payment is the seller’s equity. You take over the $424,211 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $120,420.78 is due at closing. Uses and sources reconcile at $544,631.78 each. Not a Closing Disclosure.