Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$98,037Cash toward the purchase price.
Closing costs + prepaids$12,525Not just lender fees.
Before credits & paid funds$110,562The complete starting cash picture.
Estimated remaining funds due at closing
$110,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,037.40
Your down payment$98,037.40
Closing costs + prepaids$12,524.68
Total buyer cash needed$110,562.09
Remaining funds due$110,562.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$986.25
Initial HOA (3 months)$98.76
Prepaid interest, first (28 days)$1,424.67
Fees + prepaids$12,524.68
Your down payment is the seller’s equity. You take over the $280,963 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $110,562.09 is due at closing. Uses and sources reconcile at $391,524.68 each. Not a Closing Disclosure.