Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$96,879Cash toward the purchase price.
Closing costs + prepaids$10,589Not just lender fees.
Before credits & paid funds$107,468The complete starting cash picture.
Estimated remaining funds due at closing
$107,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,879.08
Your down payment$96,879.08
Closing costs + prepaids$10,589.01
Total buyer cash needed$107,468.09
Remaining funds due$107,468.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$208.25
Prepaid interest, first (1 days)$55.76
Fees + prepaids$10,589.01
Your down payment is the seller’s equity. You take over the $313,121 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $107,468.09 is due at closing. Uses and sources reconcile at $420,589.01 each. Not a Closing Disclosure.