Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$106,183Cash toward the purchase price.
Closing costs + prepaids$11,415Not just lender fees.
Before credits & paid funds$117,598The complete starting cash picture.
Estimated remaining funds due at closing
$117,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,183.01
Your down payment$106,183.01
Closing costs + prepaids$11,414.79
Total buyer cash needed$117,597.80
Remaining funds due$117,597.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$1,139.50
Prepaid interest, first (2 days)$50.39
Fees + prepaids$11,414.79
Your down payment is the seller’s equity. You take over the $293,807 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $117,597.80 is due at closing. Uses and sources reconcile at $411,404.79 each. Not a Closing Disclosure.