Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$97,805Cash toward the purchase price.
Closing costs + prepaids$11,425Not just lender fees.
Before credits & paid funds$109,230The complete starting cash picture.
Estimated remaining funds due at closing
$109,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,804.78
Your down payment$97,804.78
Closing costs + prepaids$11,425.16
Total buyer cash needed$109,229.94
Remaining funds due$109,229.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$754.50
Initial HOA (3 months)$99.00
Prepaid interest, first (24 days)$647.66
Fees + prepaids$11,425.16
Your down payment is the seller’s equity. You take over the $272,095 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $109,229.94 is due at closing. Uses and sources reconcile at $381,325.16 each. Not a Closing Disclosure.