Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$96,645Cash toward the purchase price.
Closing costs + prepaids$10,242Not just lender fees.
Before credits & paid funds$106,886The complete starting cash picture.
Estimated remaining funds due at closing
$106,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,644.52
Your down payment$96,644.52
Closing costs + prepaids$10,241.88
Total buyer cash needed$106,886.41
Remaining funds due$106,886.41
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)$222.25
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$44.73
Fees + prepaids$10,241.88
Your down payment is the seller’s equity. You take over the $263,345 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $106,886.41 is due at closing. Uses and sources reconcile at $370,231.88 each. Not a Closing Disclosure.