Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$97,173Cash toward the purchase price.
Closing costs + prepaids$11,647Not just lender fees.
Before credits & paid funds$108,821The complete starting cash picture.
Estimated remaining funds due at closing
$108,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,173.08
Your down payment$97,173.08
Closing costs + prepaids$11,647.43
Total buyer cash needed$108,820.51
Remaining funds due$108,820.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$208.25
Prepaid interest, first (20 days)$1,114.18
Fees + prepaids$11,647.43
Your down payment is the seller’s equity. You take over the $312,827 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $108,820.51 is due at closing. Uses and sources reconcile at $421,647.43 each. Not a Closing Disclosure.