Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$98,486Cash toward the purchase price.
Closing costs + prepaids$12,109Not just lender fees.
Before credits & paid funds$110,595The complete starting cash picture.
Estimated remaining funds due at closing
$110,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,486.28
Your down payment$98,486.28
Closing costs + prepaids$12,108.94
Total buyer cash needed$110,595.21
Remaining funds due$110,595.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
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)$1,465.50
Prepaid interest, first (2 days)$118.44
Fees + prepaids$12,108.94
Your down payment is the seller’s equity. You take over the $331,514 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $110,595.21 is due at closing. Uses and sources reconcile at $442,108.94 each. Not a Closing Disclosure.