Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$97,865Cash toward the purchase price.
Closing costs + prepaids$12,578Not just lender fees.
Before credits & paid funds$110,443The complete starting cash picture.
Estimated remaining funds due at closing
$110,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,864.60
Your down payment$97,864.60
Closing costs + prepaids$12,578.28
Total buyer cash needed$110,442.87
Remaining funds due$110,442.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$2,105.75
Initial HOA (3 months)$21.00
Prepaid interest, first (31 days)$636.53
Fees + prepaids$12,578.28
Your down payment is the seller’s equity. You take over the $261,135 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $110,442.87 is due at closing. Uses and sources reconcile at $371,578.28 each. Not a Closing Disclosure.