Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$94,301Cash toward the purchase price.
Closing costs + prepaids$11,836Not just lender fees.
Before credits & paid funds$106,137The complete starting cash picture.
Estimated remaining funds due at closing
$106,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,300.69
Your down payment$94,300.69
Closing costs + prepaids$11,836.27
Total buyer cash needed$106,136.96
Remaining funds due$106,136.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$723.25
Initial HOA (3 months)$792.00
Prepaid interest, first (2 days)$106.02
Fees + prepaids$11,836.27
Your down payment is the seller’s equity. You take over the $304,699 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $106,136.96 is due at closing. Uses and sources reconcile at $410,836.27 each. Not a Closing Disclosure.