Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$96,477Cash toward the purchase price.
Closing costs + prepaids$11,277Not just lender fees.
Before credits & paid funds$107,754The complete starting cash picture.
Estimated remaining funds due at closing
$107,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,476.98
Your down payment$96,476.98
Closing costs + prepaids$11,277.27
Total buyer cash needed$107,754.24
Remaining funds due$107,754.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,099.00
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)$492.00
Initial HOA (3 months)$224.01
Prepaid interest, first (9 days)$237.26
Fees + prepaids$11,277.27
Your down payment is the seller’s equity. You take over the $313,423 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $107,754.24 is due at closing. Uses and sources reconcile at $421,177.27 each. Not a Closing Disclosure.