Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$111,211Cash toward the purchase price.
Closing costs + prepaids$12,966Not just lender fees.
Before credits & paid funds$124,177The complete starting cash picture.
Estimated remaining funds due at closing
$124,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,211.01
Your down payment$111,211.01
Closing costs + prepaids$12,965.97
Total buyer cash needed$124,176.99
Remaining funds due$124,176.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$493.25
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$1,672.72
Fees + prepaids$12,965.97
Your down payment is the seller’s equity. You take over the $318,689 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $124,176.99 is due at closing. Uses and sources reconcile at $442,865.97 each. Not a Closing Disclosure.