Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$116,370Cash toward the purchase price.
Closing costs + prepaids$11,394Not just lender fees.
Before credits & paid funds$127,764The complete starting cash picture.
Estimated remaining funds due at closing
$127,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,369.80
Your down payment$116,369.80
Closing costs + prepaids$11,394.25
Total buyer cash needed$127,764.04
Remaining funds due$127,764.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.99
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)$838.75
Initial HOA (3 months)$249.99
Prepaid interest, first (23 days)$480.52
Fees + prepaids$11,394.25
Your down payment is the seller’s equity. You take over the $243,629 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $127,764.04 is due at closing. Uses and sources reconcile at $371,393.25 each. Not a Closing Disclosure.