Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,989Cash toward the purchase price.
Closing costs + prepaids$11,339Not just lender fees.
Before credits & paid funds$100,328The complete starting cash picture.
Estimated remaining funds due at closing
$100,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,988.69
Your down payment$88,988.69
Closing costs + prepaids$11,339.23
Total buyer cash needed$100,327.92
Remaining funds due$100,327.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$879.25
Initial HOA (3 months)$73.74
Prepaid interest, first (27 days)$571.24
Fees + prepaids$11,339.23
Your down payment is the seller’s equity. You take over the $270,011 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $100,327.92 is due at closing. Uses and sources reconcile at $370,339.23 each. Not a Closing Disclosure.