Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$100,696Cash toward the purchase price.
Closing costs + prepaids$12,770Not just lender fees.
Before credits & paid funds$113,466The complete starting cash picture.
Estimated remaining funds due at closing
$113,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,695.63
Your down payment$100,695.63
Closing costs + prepaids$12,770.00
Total buyer cash needed$113,465.63
Remaining funds due$113,465.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,860.00
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)$1,208.00
Initial HOA (3 months)$156.00
Prepaid interest, first (25 days)$1,321.00
Fees + prepaids$12,770.00
Your down payment is the seller’s equity. You take over the $285,304 balance, so the rest of the $386,000 price is paid at closing. A second mortgage can cover part of it. $113,465.63 is due at closing. Uses and sources reconcile at $398,770.00 each. Not a Closing Disclosure.