Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$107,204Cash toward the purchase price.
Closing costs + prepaids$10,513Not just lender fees.
Before credits & paid funds$117,717The complete starting cash picture.
Estimated remaining funds due at closing
$117,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,204.46
Your down payment$107,204.46
Closing costs + prepaids$10,512.94
Total buyer cash needed$117,717.40
Remaining funds due$117,717.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,920.00
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)$293.00
Initial HOA (3 months)$53.01
Prepaid interest, first (1 days)$21.93
Fees + prepaids$10,512.94
Your down payment is the seller’s equity. You take over the $284,796 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $117,717.40 is due at closing. Uses and sources reconcile at $402,512.94 each. Not a Closing Disclosure.