Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$90,204Cash toward the purchase price.
Closing costs + prepaids$11,876Not just lender fees.
Before credits & paid funds$102,080The complete starting cash picture.
Estimated remaining funds due at closing
$102,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,204.29
Your down payment$90,204.29
Closing costs + prepaids$11,875.66
Total buyer cash needed$102,079.95
Remaining funds due$102,079.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$1,420.00
Initial HOA (3 months)$456.00
Prepaid interest, first (1 days)$24.66
Fees + prepaids$11,875.66
Your down payment is the seller’s equity. You take over the $284,796 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $102,079.95 is due at closing. Uses and sources reconcile at $386,875.66 each. Not a Closing Disclosure.