Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,096Cash toward the purchase price.
Closing costs + prepaids$11,605Not just lender fees.
Before credits & paid funds$110,701The complete starting cash picture.
Estimated remaining funds due at closing
$110,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,095.76
Your down payment$99,095.76
Closing costs + prepaids$11,605.46
Total buyer cash needed$110,701.22
Remaining funds due$110,701.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$933.50
Initial HOA (3 months)$112.50
Prepaid interest, first (26 days)$585.46
Fees + prepaids$11,605.46
Your down payment is the seller’s equity. You take over the $275,804 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $110,701.22 is due at closing. Uses and sources reconcile at $386,505.46 each. Not a Closing Disclosure.