Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$114,778Cash toward the purchase price.
Closing costs + prepaids$12,389Not just lender fees.
Before credits & paid funds$127,167The complete starting cash picture.
Estimated remaining funds due at closing
$127,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,777.87
Your down payment$114,777.87
Closing costs + prepaids$12,389.00
Total buyer cash needed$127,166.87
Remaining funds due$127,166.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,170.00
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)$361.50
Prepaid interest, first (31 days)$1,632.50
Fees + prepaids$12,389.00
Your down payment is the seller’s equity. You take over the $302,222 balance, so the rest of the $417,000 price is paid at closing. A second mortgage can cover part of it. $127,166.87 is due at closing. Uses and sources reconcile at $429,389.00 each. Not a Closing Disclosure.