Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$101,008Cash toward the purchase price.
Closing costs + prepaids$11,412Not just lender fees.
Before credits & paid funds$112,420The complete starting cash picture.
Estimated remaining funds due at closing
$112,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,007.98
Your down payment$101,007.98
Closing costs + prepaids$11,412.25
Total buyer cash needed$112,420.22
Remaining funds due$112,420.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$199.25
Initial HOA (3 months)$189.00
Prepaid interest, first (24 days)$1,009.00
Fees + prepaids$11,412.25
Your down payment is the seller’s equity. You take over the $277,992 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $112,420.22 is due at closing. Uses and sources reconcile at $390,412.25 each. Not a Closing Disclosure.