Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$106,657Cash toward the purchase price.
Closing costs + prepaids$11,762Not just lender fees.
Before credits & paid funds$118,419The complete starting cash picture.
Estimated remaining funds due at closing
$118,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,657.03
Your down payment$106,657.03
Closing costs + prepaids$11,761.99
Total buyer cash needed$118,419.02
Remaining funds due$118,419.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$483.50
Prepaid interest, first (31 days)$903.49
Fees + prepaids$11,761.99
Your down payment is the seller’s equity. You take over the $308,343 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $118,419.02 is due at closing. Uses and sources reconcile at $426,761.99 each. Not a Closing Disclosure.