Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$94,784Cash toward the purchase price.
Closing costs + prepaids$11,379Not just lender fees.
Before credits & paid funds$106,163The complete starting cash picture.
Estimated remaining funds due at closing
$106,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,783.71
Your down payment$94,783.71
Closing costs + prepaids$11,379.00
Total buyer cash needed$106,162.71
Remaining funds due$106,162.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$667.50
Initial HOA (3 months)$438.00
Prepaid interest, first (2 days)$48.50
Fees + prepaids$11,379.00
Your down payment is the seller’s equity. You take over the $305,216 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $106,162.71 is due at closing. Uses and sources reconcile at $411,379.00 each. Not a Closing Disclosure.