Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$98,559Cash toward the purchase price.
Closing costs + prepaids$11,142Not just lender fees.
Before credits & paid funds$109,701The complete starting cash picture.
Estimated remaining funds due at closing
$109,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,559.23
Your down payment$98,559.23
Closing costs + prepaids$11,142.06
Total buyer cash needed$109,701.28
Remaining funds due$109,701.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$348.00
Initial HOA (3 months)$264.00
Prepaid interest, first (1 days)$56.06
Fees + prepaids$11,142.06
Your down payment is the seller’s equity. You take over the $326,341 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $109,701.28 is due at closing. Uses and sources reconcile at $436,042.06 each. Not a Closing Disclosure.