Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$100,036Cash toward the purchase price.
Closing costs + prepaids$11,420Not just lender fees.
Before credits & paid funds$111,456The complete starting cash picture.
Estimated remaining funds due at closing
$111,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,035.99
Your down payment$100,035.99
Closing costs + prepaids$11,419.54
Total buyer cash needed$111,455.53
Remaining funds due$111,455.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
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)$670.50
Initial HOA (3 months)$315.00
Prepaid interest, first (2 days)$109.04
Fees + prepaids$11,419.54
Your down payment is the seller’s equity. You take over the $309,964 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $111,455.53 is due at closing. Uses and sources reconcile at $421,419.54 each. Not a Closing Disclosure.