Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$98,437Cash toward the purchase price.
Closing costs + prepaids$12,242Not just lender fees.
Before credits & paid funds$110,679The complete starting cash picture.
Estimated remaining funds due at closing
$110,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,436.86
Your down payment$98,436.86
Closing costs + prepaids$12,242.37
Total buyer cash needed$110,679.23
Remaining funds due$110,679.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.90
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)$1,162.25
Initial HOA (3 months)$159.00
Prepaid interest, first (28 days)$796.22
Fees + prepaids$12,242.37
Your down payment is the seller’s equity. You take over the $291,553 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $110,679.23 is due at closing. Uses and sources reconcile at $402,232.37 each. Not a Closing Disclosure.