Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$100,276Cash toward the purchase price.
Closing costs + prepaids$11,760Not just lender fees.
Before credits & paid funds$112,035The complete starting cash picture.
Estimated remaining funds due at closing
$112,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,275.58
Your down payment$100,275.58
Closing costs + prepaids$11,759.52
Total buyer cash needed$112,035.11
Remaining funds due$112,035.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$1,224.25
Initial HOA (3 months)$176.01
Prepaid interest, first (26 days)$584.26
Fees + prepaids$11,759.52
Your down payment is the seller’s equity. You take over the $254,724 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $112,035.11 is due at closing. Uses and sources reconcile at $366,759.52 each. Not a Closing Disclosure.