Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$96,611Cash toward the purchase price.
Closing costs + prepaids$11,452Not just lender fees.
Before credits & paid funds$108,063The complete starting cash picture.
Estimated remaining funds due at closing
$108,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,611.02
Your down payment$96,611.02
Closing costs + prepaids$11,451.96
Total buyer cash needed$108,062.97
Remaining funds due$108,062.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$1,020.00
Prepaid interest, first (5 days)$206.97
Fees + prepaids$11,451.96
Your down payment is the seller’s equity. You take over the $303,388 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $108,062.97 is due at closing. Uses and sources reconcile at $411,450.96 each. Not a Closing Disclosure.