Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$102,356Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$113,270The complete starting cash picture.
Estimated remaining funds due at closing
$113,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,355.58
Your down payment$102,355.58
Closing costs + prepaids$10,914.71
Total buyer cash needed$113,270.28
Remaining funds due$113,270.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$802.50
Initial HOA (3 months)$1,002.00
Prepaid interest, first (2 days)$36.21
Fees + prepaids$10,914.71
Your down payment is the seller’s equity. You take over the $182,544 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $113,270.28 is due at closing. Uses and sources reconcile at $295,814.71 each. Not a Closing Disclosure.