Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$99,556Cash toward the purchase price.
Closing costs + prepaids$13,815Not just lender fees.
Before credits & paid funds$113,372The complete starting cash picture.
Estimated remaining funds due at closing
$113,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,556.42
Your down payment$99,556.42
Closing costs + prepaids$13,815.20
Total buyer cash needed$113,371.62
Remaining funds due$113,371.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.99
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)$1,087.50
Initial HOA (3 months)$1,395.00
Prepaid interest, first (31 days)$1,557.71
Fees + prepaids$13,815.20
Your down payment is the seller’s equity. You take over the $255,443 balance, so the rest of the $354,999 price is paid at closing. A second mortgage can cover part of it. $113,371.62 is due at closing. Uses and sources reconcile at $368,814.20 each. Not a Closing Disclosure.