Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$99,124Cash toward the purchase price.
Closing costs + prepaids$11,733Not just lender fees.
Before credits & paid funds$110,857The complete starting cash picture.
Estimated remaining funds due at closing
$110,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,124.02
Your down payment$99,124.02
Closing costs + prepaids$11,732.86
Total buyer cash needed$110,856.88
Remaining funds due$110,856.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,795.00
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)$682.25
Initial HOA (3 months)$366.00
Prepaid interest, first (28 days)$664.61
Fees + prepaids$11,732.86
Your down payment is the seller’s equity. You take over the $280,376 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $110,856.88 is due at closing. Uses and sources reconcile at $391,232.86 each. Not a Closing Disclosure.