Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$107,879Cash toward the purchase price.
Closing costs + prepaids$10,887Not just lender fees.
Before credits & paid funds$118,766The complete starting cash picture.
Estimated remaining funds due at closing
$118,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,878.76
Your down payment$107,878.76
Closing costs + prepaids$10,887.24
Total buyer cash needed$118,766.00
Remaining funds due$118,766.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,920.00
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)$470.50
Initial HOA (3 months)$53.01
Prepaid interest, first (10 days)$218.73
Fees + prepaids$10,887.24
Your down payment is the seller’s equity. You take over the $284,121 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $118,766.00 is due at closing. Uses and sources reconcile at $402,887.24 each. Not a Closing Disclosure.