Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$95,787Cash toward the purchase price.
Closing costs + prepaids$12,330Not just lender fees.
Before credits & paid funds$108,117The complete starting cash picture.
Estimated remaining funds due at closing
$108,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,786.60
Your down payment$95,786.60
Closing costs + prepaids$12,330.15
Total buyer cash needed$108,116.75
Remaining funds due$108,116.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$1,031.50
Initial HOA (3 months)$780.00
Prepaid interest, first (24 days)$694.65
Fees + prepaids$12,330.15
Your down payment is the seller’s equity. You take over the $264,113 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $108,116.75 is due at closing. Uses and sources reconcile at $372,230.15 each. Not a Closing Disclosure.