Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$111,938Cash toward the purchase price.
Closing costs + prepaids$11,897Not just lender fees.
Before credits & paid funds$123,835The complete starting cash picture.
Estimated remaining funds due at closing
$123,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,937.78
Your down payment$111,937.78
Closing costs + prepaids$11,897.00
Total buyer cash needed$123,834.77
Remaining funds due$123,834.77
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)$1,660.50
Initial HOA (3 months)$384.00
Prepaid interest, first (2 days)$37.50
Fees + prepaids$11,897.00
Your down payment is the seller’s equity. You take over the $247,062 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $123,834.77 is due at closing. Uses and sources reconcile at $370,897.00 each. Not a Closing Disclosure.