Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,880Cash toward the purchase price.
Closing costs + prepaids$11,536Not just lender fees.
Before credits & paid funds$100,416The complete starting cash picture.
Estimated remaining funds due at closing
$100,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,880.10
Your down payment$88,880.10
Closing costs + prepaids$11,535.81
Total buyer cash needed$100,415.91
Remaining funds due$100,415.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$608.25
Initial HOA (3 months)$87.51
Prepaid interest, first (27 days)$1,025.05
Fees + prepaids$11,535.81
Your down payment is the seller’s equity. You take over the $270,120 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $100,415.91 is due at closing. Uses and sources reconcile at $370,535.81 each. Not a Closing Disclosure.