Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$94,492Cash toward the purchase price.
Closing costs + prepaids$12,523Not just lender fees.
Before credits & paid funds$107,014The complete starting cash picture.
Estimated remaining funds due at closing
$107,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,491.60
Your down payment$94,491.60
Closing costs + prepaids$12,522.80
Total buyer cash needed$107,014.40
Remaining funds due$107,014.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$516.75
Initial HOA (3 months)$945.00
Prepaid interest, first (30 days)$786.05
Fees + prepaids$12,522.80
Your down payment is the seller’s equity. You take over the $310,508 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $107,014.40 is due at closing. Uses and sources reconcile at $417,522.80 each. Not a Closing Disclosure.