Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$95,848Cash toward the purchase price.
Closing costs + prepaids$12,182Not just lender fees.
Before credits & paid funds$108,030The complete starting cash picture.
Estimated remaining funds due at closing
$108,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,847.92
Your down payment$95,847.92
Closing costs + prepaids$12,181.86
Total buyer cash needed$108,029.78
Remaining funds due$108,029.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$725.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (2 days)$41.86
Fees + prepaids$12,181.86
Your down payment is the seller’s equity. You take over the $303,152 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $108,029.78 is due at closing. Uses and sources reconcile at $411,181.86 each. Not a Closing Disclosure.