Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$114,406Cash toward the purchase price.
Closing costs + prepaids$10,862Not just lender fees.
Before credits & paid funds$125,268The complete starting cash picture.
Estimated remaining funds due at closing
$125,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,406.13
Your down payment$114,406.13
Closing costs + prepaids$10,861.95
Total buyer cash needed$125,268.09
Remaining funds due$125,268.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,170.00
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)$361.50
Prepaid interest, first (2 days)$105.45
Fees + prepaids$10,861.95
Your down payment is the seller’s equity. You take over the $302,594 balance, so the rest of the $417,000 price is paid at closing. A second mortgage can cover part of it. $125,268.09 is due at closing. Uses and sources reconcile at $427,861.95 each. Not a Closing Disclosure.