Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$113,424Cash toward the purchase price.
Closing costs + prepaids$11,110Not just lender fees.
Before credits & paid funds$124,534The complete starting cash picture.
Estimated remaining funds due at closing
$124,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,424.20
Your down payment$113,424.20
Closing costs + prepaids$11,109.61
Total buyer cash needed$124,533.80
Remaining funds due$124,533.80
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)$283.00
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$102.61
Fees + prepaids$11,109.61
Your down payment is the seller’s equity. You take over the $306,476 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $124,533.80 is due at closing. Uses and sources reconcile at $431,009.61 each. Not a Closing Disclosure.