Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$89,307Cash toward the purchase price.
Closing costs + prepaids$11,525Not just lender fees.
Before credits & paid funds$100,832The complete starting cash picture.
Estimated remaining funds due at closing
$100,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,307.25
Your down payment$89,307.25
Closing costs + prepaids$11,524.96
Total buyer cash needed$100,832.21
Remaining funds due$100,832.21
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)$685.00
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$890.96
Fees + prepaids$11,524.96
Your down payment is the seller’s equity. You take over the $275,593 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $100,832.21 is due at closing. Uses and sources reconcile at $376,424.96 each. Not a Closing Disclosure.