Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$100,312Cash toward the purchase price.
Closing costs + prepaids$12,719Not just lender fees.
Before credits & paid funds$113,031The complete starting cash picture.
Estimated remaining funds due at closing
$113,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,312.34
Your down payment$100,312.34
Closing costs + prepaids$12,718.75
Total buyer cash needed$113,031.09
Remaining funds due$113,031.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$1,336.25
Initial HOA (3 months)$372.00
Prepaid interest, first (27 days)$635.50
Fees + prepaids$12,718.75
Your down payment is the seller’s equity. You take over the $314,688 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $113,031.09 is due at closing. Uses and sources reconcile at $427,718.75 each. Not a Closing Disclosure.