Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$89,481Cash toward the purchase price.
Closing costs + prepaids$10,880Not just lender fees.
Before credits & paid funds$100,361The complete starting cash picture.
Estimated remaining funds due at closing
$100,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,481.45
Your down payment$89,481.45
Closing costs + prepaids$10,879.95
Total buyer cash needed$100,361.40
Remaining funds due$100,361.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$634.75
Initial HOA (3 months)$399.00
Prepaid interest, first (1 days)$21.20
Fees + prepaids$10,879.95
Your down payment is the seller’s equity. You take over the $270,519 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $100,361.40 is due at closing. Uses and sources reconcile at $370,879.95 each. Not a Closing Disclosure.