Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$105,506Cash toward the purchase price.
Closing costs + prepaids$12,628Not just lender fees.
Before credits & paid funds$118,134The complete starting cash picture.
Estimated remaining funds due at closing
$118,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,505.75
Your down payment$105,505.75
Closing costs + prepaids$12,628.21
Total buyer cash needed$118,133.96
Remaining funds due$118,133.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$1,461.00
Initial HOA (3 months)$24.99
Prepaid interest, first (24 days)$1,117.23
Fees + prepaids$12,628.21
Your down payment is the seller’s equity. You take over the $274,493 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $118,133.96 is due at closing. Uses and sources reconcile at $392,627.21 each. Not a Closing Disclosure.