Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$109,652Cash toward the purchase price.
Closing costs + prepaids$13,001Not just lender fees.
Before credits & paid funds$122,653The complete starting cash picture.
Estimated remaining funds due at closing
$122,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,651.64
Your down payment$109,651.64
Closing costs + prepaids$13,001.24
Total buyer cash needed$122,652.88
Remaining funds due$122,652.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,140.00
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)$534.25
Initial HOA (3 months)$450.00
Prepaid interest, first (26 days)$1,651.99
Fees + prepaids$13,001.24
Your down payment is the seller’s equity. You take over the $304,348 balance, so the rest of the $414,000 price is paid at closing. A second mortgage can cover part of it. $122,652.88 is due at closing. Uses and sources reconcile at $427,001.24 each. Not a Closing Disclosure.