Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$114,564Cash toward the purchase price.
Closing costs + prepaids$10,628Not just lender fees.
Before credits & paid funds$125,192The complete starting cash picture.
Estimated remaining funds due at closing
$125,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,563.78
Your down payment$114,563.78
Closing costs + prepaids$10,628.47
Total buyer cash needed$125,192.25
Remaining funds due$125,192.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,840.00
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)$385.50
Initial HOA (3 months)$129.99
Prepaid interest, first (1 days)$47.98
Fees + prepaids$10,628.47
Your down payment is the seller’s equity. You take over the $269,436 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $125,192.25 is due at closing. Uses and sources reconcile at $394,628.47 each. Not a Closing Disclosure.