Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$97,252Cash toward the purchase price.
Closing costs + prepaids$14,230Not just lender fees.
Before credits & paid funds$111,482The complete starting cash picture.
Estimated remaining funds due at closing
$111,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,251.75
Your down payment$97,251.75
Closing costs + prepaids$14,230.41
Total buyer cash needed$111,482.16
Remaining funds due$111,482.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$1,677.25
Prepaid interest, first (30 days)$1,929.16
Fees + prepaids$14,230.41
Your down payment is the seller’s equity. You take over the $342,648 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $111,482.16 is due at closing. Uses and sources reconcile at $454,130.41 each. Not a Closing Disclosure.