Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$105,096Cash toward the purchase price.
Closing costs + prepaids$12,401Not just lender fees.
Before credits & paid funds$117,497The complete starting cash picture.
Estimated remaining funds due at closing
$117,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,095.85
Your down payment$105,095.85
Closing costs + prepaids$12,401.13
Total buyer cash needed$117,496.98
Remaining funds due$117,496.98
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)$997.50
Initial HOA (3 months)$449.76
Prepaid interest, first (31 days)$738.87
Fees + prepaids$12,401.13
Your down payment is the seller’s equity. You take over the $293,904 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $117,496.98 is due at closing. Uses and sources reconcile at $411,401.13 each. Not a Closing Disclosure.