Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$95,224Cash toward the purchase price.
Closing costs + prepaids$10,963Not just lender fees.
Before credits & paid funds$106,188The complete starting cash picture.
Estimated remaining funds due at closing
$106,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,224.30
Your down payment$95,224.30
Closing costs + prepaids$10,963.35
Total buyer cash needed$106,187.65
Remaining funds due$106,187.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$388.50
Initial HOA (3 months)$291.00
Prepaid interest, first (1 days)$59.85
Fees + prepaids$10,963.35
Your down payment is the seller’s equity. You take over the $304,676 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $106,187.65 is due at closing. Uses and sources reconcile at $410,863.35 each. Not a Closing Disclosure.