Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$117,291Cash toward the purchase price.
Closing costs + prepaids$11,474Not just lender fees.
Before credits & paid funds$128,765The complete starting cash picture.
Estimated remaining funds due at closing
$128,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,291.04
Your down payment$117,291.04
Closing costs + prepaids$11,474.38
Total buyer cash needed$128,765.42
Remaining funds due$128,765.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$739.00
Initial HOA (3 months)$113.76
Prepaid interest, first (30 days)$797.62
Fees + prepaids$11,474.38
Your down payment is the seller’s equity. You take over the $242,609 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $128,765.42 is due at closing. Uses and sources reconcile at $371,374.38 each. Not a Closing Disclosure.