Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$101,513Cash toward the purchase price.
Closing costs + prepaids$12,948Not just lender fees.
Before credits & paid funds$114,461The complete starting cash picture.
Estimated remaining funds due at closing
$114,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,513.06
Your down payment$101,513.06
Closing costs + prepaids$12,948.27
Total buyer cash needed$114,461.34
Remaining funds due$114,461.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,340.00
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)$259.00
Initial HOA (3 months)$225.00
Prepaid interest, first (30 days)$1,899.27
Fees + prepaids$12,948.27
Your down payment is the seller’s equity. You take over the $332,487 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $114,461.34 is due at closing. Uses and sources reconcile at $446,948.27 each. Not a Closing Disclosure.