Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$95,189Cash toward the purchase price.
Closing costs + prepaids$11,502Not just lender fees.
Before credits & paid funds$106,691The complete starting cash picture.
Estimated remaining funds due at closing
$106,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,188.59
Your down payment$95,188.59
Closing costs + prepaids$11,502.41
Total buyer cash needed$106,691.00
Remaining funds due$106,691.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.95
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)$357.25
Initial HOA (3 months)$345.00
Prepaid interest, first (24 days)$575.21
Fees + prepaids$11,502.41
Your down payment is the seller’s equity. You take over the $304,806 balance, so the rest of the $399,995 price is paid at closing. A second mortgage can cover part of it. $106,691.00 is due at closing. Uses and sources reconcile at $411,497.41 each. Not a Closing Disclosure.