Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$94,492Cash toward the purchase price.
Closing costs + prepaids$12,313Not just lender fees.
Before credits & paid funds$106,805The complete starting cash picture.
Estimated remaining funds due at closing
$106,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,491.60
Your down payment$94,491.60
Closing costs + prepaids$12,313.19
Total buyer cash needed$106,804.78
Remaining funds due$106,804.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$516.75
Initial HOA (3 months)$945.00
Prepaid interest, first (22 days)$576.44
Fees + prepaids$12,313.19
Your down payment is the seller’s equity. You take over the $310,508 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $106,804.78 is due at closing. Uses and sources reconcile at $417,313.19 each. Not a Closing Disclosure.