Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,521Cash toward the purchase price.
Closing costs + prepaids$12,403Not just lender fees.
Before credits & paid funds$120,924The complete starting cash picture.
Estimated remaining funds due at closing
$120,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,520.81
Your down payment$108,520.81
Closing costs + prepaids$12,403.38
Total buyer cash needed$120,924.19
Remaining funds due$120,924.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$1,209.50
Initial HOA (3 months)$414.00
Prepaid interest, first (26 days)$564.88
Fees + prepaids$12,403.38
Your down payment is the seller’s equity. You take over the $290,479 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $120,924.19 is due at closing. Uses and sources reconcile at $411,403.38 each. Not a Closing Disclosure.