Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$107,953Cash toward the purchase price.
Closing costs + prepaids$12,209Not just lender fees.
Before credits & paid funds$120,162The complete starting cash picture.
Estimated remaining funds due at closing
$120,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,953.31
Your down payment$107,953.31
Closing costs + prepaids$12,209.06
Total buyer cash needed$120,162.36
Remaining funds due$120,162.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$779.75
Initial HOA (3 months)$1,089.00
Prepaid interest, first (23 days)$466.31
Fees + prepaids$12,209.06
Your down payment is the seller’s equity. You take over the $256,947 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $120,162.36 is due at closing. Uses and sources reconcile at $377,109.06 each. Not a Closing Disclosure.