Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$109,425Cash toward the purchase price.
Closing costs + prepaids$12,126Not just lender fees.
Before credits & paid funds$121,551The complete starting cash picture.
Estimated remaining funds due at closing
$121,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,424.88
Your down payment$109,424.88
Closing costs + prepaids$12,125.92
Total buyer cash needed$121,550.80
Remaining funds due$121,550.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,835.00
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)$1,117.00
Initial HOA (3 months)$300.00
Prepaid interest, first (29 days)$648.92
Fees + prepaids$12,125.92
Your down payment is the seller’s equity. You take over the $274,075 balance, so the rest of the $383,500 price is paid at closing. A second mortgage can cover part of it. $121,550.80 is due at closing. Uses and sources reconcile at $395,625.92 each. Not a Closing Disclosure.