Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$100,205Cash toward the purchase price.
Closing costs + prepaids$11,635Not just lender fees.
Before credits & paid funds$111,840The complete starting cash picture.
Estimated remaining funds due at closing
$111,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,204.87
Your down payment$100,204.87
Closing costs + prepaids$11,635.32
Total buyer cash needed$111,840.19
Remaining funds due$111,840.19
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)$1,318.75
Initial HOA (3 months)$92.01
Prepaid interest, first (23 days)$449.56
Fees + prepaids$11,635.32
Your down payment is the seller’s equity. You take over the $254,795 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $111,840.19 is due at closing. Uses and sources reconcile at $366,635.32 each. Not a Closing Disclosure.