Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$103,838Cash toward the purchase price.
Closing costs + prepaids$11,262Not just lender fees.
Before credits & paid funds$115,100The complete starting cash picture.
Estimated remaining funds due at closing
$115,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,838.11
Your down payment$103,838.11
Closing costs + prepaids$11,261.61
Total buyer cash needed$115,099.72
Remaining funds due$115,099.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,949.90
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)$474.00
Initial HOA (3 months)$375.00
Prepaid interest, first (10 days)$237.71
Fees + prepaids$11,261.61
Your down payment is the seller’s equity. You take over the $291,152 balance, so the rest of the $394,990 price is paid at closing. A second mortgage can cover part of it. $115,099.72 is due at closing. Uses and sources reconcile at $406,251.61 each. Not a Closing Disclosure.