Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$102,975Cash toward the purchase price.
Closing costs + prepaids$12,480Not just lender fees.
Before credits & paid funds$115,455The complete starting cash picture.
Estimated remaining funds due at closing
$115,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,974.71
Your down payment$102,974.71
Closing costs + prepaids$12,480.30
Total buyer cash needed$115,455.02
Remaining funds due$115,455.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$958.50
Initial HOA (3 months)$540.00
Prepaid interest, first (30 days)$756.80
Fees + prepaids$12,480.30
Your down payment is the seller’s equity. You take over the $297,025 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $115,455.02 is due at closing. Uses and sources reconcile at $412,480.30 each. Not a Closing Disclosure.