Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$99,687Cash toward the purchase price.
Closing costs + prepaids$10,680Not just lender fees.
Before credits & paid funds$110,367The complete starting cash picture.
Estimated remaining funds due at closing
$110,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,686.85
Your down payment$99,686.85
Closing costs + prepaids$10,680.19
Total buyer cash needed$110,367.04
Remaining funds due$110,367.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$390.25
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$20.94
Fees + prepaids$10,680.19
Your down payment is the seller’s equity. You take over the $285,213 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $110,367.04 is due at closing. Uses and sources reconcile at $395,580.19 each. Not a Closing Disclosure.