Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$97,260Cash toward the purchase price.
Closing costs + prepaids$13,602Not just lender fees.
Before credits & paid funds$110,862The complete starting cash picture.
Estimated remaining funds due at closing
$110,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,260.16
Your down payment$97,260.16
Closing costs + prepaids$13,602.22
Total buyer cash needed$110,862.38
Remaining funds due$110,862.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
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)$1,231.50
Initial HOA (3 months)$45.24
Prepaid interest, first (30 days)$1,810.48
Fees + prepaids$13,602.22
Your down payment is the seller’s equity. You take over the $331,740 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $110,862.38 is due at closing. Uses and sources reconcile at $442,602.22 each. Not a Closing Disclosure.