Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$98,264Cash toward the purchase price.
Closing costs + prepaids$11,559Not just lender fees.
Before credits & paid funds$109,823The complete starting cash picture.
Estimated remaining funds due at closing
$109,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,264.14
Your down payment$98,264.14
Closing costs + prepaids$11,558.92
Total buyer cash needed$109,823.06
Remaining funds due$109,823.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$540.00
Prepaid interest, first (10 days)$293.92
Fees + prepaids$11,558.92
Your down payment is the seller’s equity. You take over the $351,736 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $109,823.06 is due at closing. Uses and sources reconcile at $461,558.92 each. Not a Closing Disclosure.