Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$90,778Cash toward the purchase price.
Closing costs + prepaids$10,705Not just lender fees.
Before credits & paid funds$101,483The complete starting cash picture.
Estimated remaining funds due at closing
$101,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,778.00
Your down payment$90,778.00
Closing costs + prepaids$10,704.84
Total buyer cash needed$101,482.85
Remaining funds due$101,482.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,199.00
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)$253.25
Prepaid interest, first (1 days)$27.59
Fees + prepaids$10,704.84
Your down payment is the seller’s equity. You take over the $329,122 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $101,482.85 is due at closing. Uses and sources reconcile at $430,604.84 each. Not a Closing Disclosure.