Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$96,935Cash toward the purchase price.
Closing costs + prepaids$11,582Not just lender fees.
Before credits & paid funds$108,518The complete starting cash picture.
Estimated remaining funds due at closing
$108,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,935.35
Your down payment$96,935.35
Closing costs + prepaids$11,582.33
Total buyer cash needed$108,517.68
Remaining funds due$108,517.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.90
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)$222.25
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$1,385.18
Fees + prepaids$11,582.33
Your down payment is the seller’s equity. You take over the $263,055 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $108,517.68 is due at closing. Uses and sources reconcile at $371,572.33 each. Not a Closing Disclosure.