Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$96,935Cash toward the purchase price.
Closing costs + prepaids$10,809Not just lender fees.
Before credits & paid funds$107,744The complete starting cash picture.
Estimated remaining funds due at closing
$107,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,935.35
Your down payment$96,935.35
Closing costs + prepaids$10,809.05
Total buyer cash needed$107,744.40
Remaining funds due$107,744.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.90
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)$432.00
Initial HOA (3 months)$150.00
Prepaid interest, first (9 days)$402.15
Fees + prepaids$10,809.05
Your down payment is the seller’s equity. You take over the $263,055 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $107,744.40 is due at closing. Uses and sources reconcile at $370,799.05 each. Not a Closing Disclosure.