Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$112,183Cash toward the purchase price.
Closing costs + prepaids$10,514Not just lender fees.
Before credits & paid funds$122,697The complete starting cash picture.
Estimated remaining funds due at closing
$122,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,183.37
Your down payment$112,183.37
Closing costs + prepaids$10,513.96
Total buyer cash needed$122,697.33
Remaining funds due$122,697.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$481.25
Initial HOA (3 months)$216.00
Prepaid interest, first (1 days)$41.71
Fees + prepaids$10,513.96
Your down payment is the seller’s equity. You take over the $242,817 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $122,697.33 is due at closing. Uses and sources reconcile at $365,513.96 each. Not a Closing Disclosure.