Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$93,276Cash toward the purchase price.
Closing costs + prepaids$10,867Not just lender fees.
Before credits & paid funds$104,142The complete starting cash picture.
Estimated remaining funds due at closing
$104,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,275.53
Your down payment$93,275.53
Closing costs + prepaids$10,866.66
Total buyer cash needed$104,142.19
Remaining funds due$104,142.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,149.00
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)$468.25
Prepaid interest, first (1 days)$24.41
Fees + prepaids$10,866.66
Your down payment is the seller’s equity. You take over the $321,624 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $104,142.19 is due at closing. Uses and sources reconcile at $425,766.66 each. Not a Closing Disclosure.