Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$102,725Cash toward the purchase price.
Closing costs + prepaids$10,859Not just lender fees.
Before credits & paid funds$113,583The complete starting cash picture.
Estimated remaining funds due at closing
$113,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,724.50
Your down payment$102,724.50
Closing costs + prepaids$10,858.85
Total buyer cash needed$113,583.35
Remaining funds due$113,583.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$442.75
Initial HOA (3 months)$291.00
Prepaid interest, first (10 days)$210.10
Fees + prepaids$10,858.85
Your down payment is the seller’s equity. You take over the $266,275 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $113,583.35 is due at closing. Uses and sources reconcile at $379,858.85 each. Not a Closing Disclosure.