Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$96,516Cash toward the purchase price.
Closing costs + prepaids$11,651Not just lender fees.
Before credits & paid funds$108,166The complete starting cash picture.
Estimated remaining funds due at closing
$108,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,515.53
Your down payment$96,515.53
Closing costs + prepaids$11,650.83
Total buyer cash needed$108,166.36
Remaining funds due$108,166.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$540.00
Prepaid interest, first (6 days)$385.83
Fees + prepaids$11,650.83
Your down payment is the seller’s equity. You take over the $353,484 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $108,166.36 is due at closing. Uses and sources reconcile at $461,650.83 each. Not a Closing Disclosure.