Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$11,004Cash toward the purchase price.
Closing costs + prepaids$7,888Not just lender fees.
Before credits & paid funds$18,893The complete starting cash picture.
Estimated remaining funds due at closing
$18,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,004.06
Your down payment$11,004.06
Closing costs + prepaids$7,888.44
Total buyer cash needed$18,892.50
Remaining funds due$18,892.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$995.00
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)$170.25
Initial HOA (3 months)$138.00
Prepaid interest, first (24 days)$360.19
Fees + prepaids$7,888.44
Your down payment is the seller’s equity. You take over the $88,496 balance, so the rest of the $99,500 price is paid at closing. A second mortgage can cover part of it. $18,892.50 is due at closing. Uses and sources reconcile at $107,388.44 each. Not a Closing Disclosure.