Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$96,539Cash toward the purchase price.
Closing costs + prepaids$12,647Not just lender fees.
Before credits & paid funds$109,186The complete starting cash picture.
Estimated remaining funds due at closing
$109,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,539.40
Your down payment$96,539.40
Closing costs + prepaids$12,646.65
Total buyer cash needed$109,186.05
Remaining funds due$109,186.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.99
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)$338.25
Initial HOA (3 months)$222.00
Prepaid interest, first (27 days)$1,561.41
Fees + prepaids$12,646.65
Your down payment is the seller’s equity. You take over the $333,460 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $109,186.05 is due at closing. Uses and sources reconcile at $442,645.65 each. Not a Closing Disclosure.