Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$105,327Cash toward the purchase price.
Closing costs + prepaids$13,865Not just lender fees.
Before credits & paid funds$119,192The complete starting cash picture.
Estimated remaining funds due at closing
$119,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,326.72
Your down payment$105,326.72
Closing costs + prepaids$13,865.21
Total buyer cash needed$119,191.93
Remaining funds due$119,191.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,795.00
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)$948.75
Initial HOA (3 months)$1,950.00
Prepaid interest, first (24 days)$946.46
Fees + prepaids$13,865.21
Your down payment is the seller’s equity. You take over the $274,173 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $119,191.93 is due at closing. Uses and sources reconcile at $393,365.21 each. Not a Closing Disclosure.