Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$101,600Cash toward the purchase price.
Closing costs + prepaids$10,906Not just lender fees.
Before credits & paid funds$112,506The complete starting cash picture.
Estimated remaining funds due at closing
$112,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,599.58
Your down payment$101,599.58
Closing costs + prepaids$10,906.40
Total buyer cash needed$112,505.98
Remaining funds due$112,505.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.00
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)$536.00
Initial HOA (3 months)$3.75
Prepaid interest, first (28 days)$592.65
Fees + prepaids$10,906.40
Your down payment is the seller’s equity. You take over the $253,300 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $112,505.98 is due at closing. Uses and sources reconcile at $365,806.40 each. Not a Closing Disclosure.