Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$88,402Cash toward the purchase price.
Closing costs + prepaids$11,608Not just lender fees.
Before credits & paid funds$100,010The complete starting cash picture.
Estimated remaining funds due at closing
$100,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,402.12
Your down payment$88,402.12
Closing costs + prepaids$11,608.37
Total buyer cash needed$100,010.49
Remaining funds due$100,010.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$1,220.75
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$62.63
Fees + prepaids$11,608.37
Your down payment is the seller’s equity. You take over the $291,597 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $100,010.49 is due at closing. Uses and sources reconcile at $391,607.37 each. Not a Closing Disclosure.