Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$102,882Cash toward the purchase price.
Closing costs + prepaids$11,665Not just lender fees.
Before credits & paid funds$114,547The complete starting cash picture.
Estimated remaining funds due at closing
$114,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,882.02
Your down payment$102,882.02
Closing costs + prepaids$11,665.04
Total buyer cash needed$114,547.06
Remaining funds due$114,547.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,845.00
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)$484.25
Initial HOA (3 months)$465.00
Prepaid interest, first (30 days)$645.79
Fees + prepaids$11,665.04
Your down payment is the seller’s equity. You take over the $281,618 balance, so the rest of the $384,500 price is paid at closing. A second mortgage can cover part of it. $114,547.06 is due at closing. Uses and sources reconcile at $396,165.04 each. Not a Closing Disclosure.