Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,253Cash toward the purchase price.
Closing costs + prepaids$12,058Not just lender fees.
Before credits & paid funds$100,311The complete starting cash picture.
Estimated remaining funds due at closing
$100,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,253.40
Your down payment$88,253.40
Closing costs + prepaids$12,058.03
Total buyer cash needed$100,311.44
Remaining funds due$100,311.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$623.00
Initial HOA (3 months)$84.24
Prepaid interest, first (27 days)$1,326.79
Fees + prepaids$12,058.03
Your down payment is the seller’s equity. You take over the $291,647 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $100,311.44 is due at closing. Uses and sources reconcile at $391,958.03 each. Not a Closing Disclosure.