Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$110,550Cash toward the purchase price.
Closing costs + prepaids$12,921Not just lender fees.
Before credits & paid funds$123,471The complete starting cash picture.
Estimated remaining funds due at closing
$123,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,550.28
Your down payment$110,550.28
Closing costs + prepaids$12,920.87
Total buyer cash needed$123,471.14
Remaining funds due$123,471.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,285.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.25
Prepaid interest, first (9 days)$526.62
Fees + prepaids$12,920.87
Your down payment is the seller’s equity. You take over the $417,950 balance, so the rest of the $528,500 price is paid at closing. A second mortgage can cover part of it. $123,471.14 is due at closing. Uses and sources reconcile at $541,420.87 each. Not a Closing Disclosure.