Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$107,267Cash toward the purchase price.
Closing costs + prepaids$12,523Not just lender fees.
Before credits & paid funds$119,789The complete starting cash picture.
Estimated remaining funds due at closing
$119,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,266.62
Your down payment$107,266.62
Closing costs + prepaids$12,522.70
Total buyer cash needed$119,789.32
Remaining funds due$119,789.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$265.00
Prepaid interest, first (31 days)$1,832.70
Fees + prepaids$12,522.70
Your down payment is the seller’s equity. You take over the $312,733 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $119,789.32 is due at closing. Uses and sources reconcile at $432,522.70 each. Not a Closing Disclosure.