Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$96,083Cash toward the purchase price.
Closing costs + prepaids$11,107Not just lender fees.
Before credits & paid funds$107,189The complete starting cash picture.
Estimated remaining funds due at closing
$107,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,082.87
Your down payment$96,082.87
Closing costs + prepaids$11,106.50
Total buyer cash needed$107,189.37
Remaining funds due$107,189.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$350.00
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$31.50
Fees + prepaids$11,106.50
Your down payment is the seller’s equity. You take over the $323,917 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $107,189.37 is due at closing. Uses and sources reconcile at $431,106.50 each. Not a Closing Disclosure.