Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$105,199Cash toward the purchase price.
Closing costs + prepaids$10,914Not just lender fees.
Before credits & paid funds$116,112The complete starting cash picture.
Estimated remaining funds due at closing
$116,112No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,198.74
Your down payment$105,198.74
Closing costs + prepaids$10,913.70
Total buyer cash needed$116,112.44
Remaining funds due$116,112.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,570.00
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)$428.50
Initial HOA (3 months)$486.00
Prepaid interest, first (10 days)$204.20
Fees + prepaids$10,913.70
Your down payment is the seller’s equity. You take over the $251,801 balance, so the rest of the $357,000 price is paid at closing. A second mortgage can cover part of it. $116,112.44 is due at closing. Uses and sources reconcile at $367,913.70 each. Not a Closing Disclosure.