Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$96,843Cash toward the purchase price.
Closing costs + prepaids$12,149Not just lender fees.
Before credits & paid funds$108,992The complete starting cash picture.
Estimated remaining funds due at closing
$108,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,843.34
Your down payment$96,843.34
Closing costs + prepaids$12,149.07
Total buyer cash needed$108,992.40
Remaining funds due$108,992.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$1,875.00
Prepaid interest, first (2 days)$49.17
Fees + prepaids$12,149.07
Your down payment is the seller’s equity. You take over the $303,147 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $108,992.40 is due at closing. Uses and sources reconcile at $412,139.07 each. Not a Closing Disclosure.