Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$109,270Cash toward the purchase price.
Closing costs + prepaids$11,163Not just lender fees.
Before credits & paid funds$120,433The complete starting cash picture.
Estimated remaining funds due at closing
$120,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,269.73
Your down payment$109,269.73
Closing costs + prepaids$11,163.48
Total buyer cash needed$120,433.21
Remaining funds due$120,433.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,589.75
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)$303.25
Initial HOA (3 months)$282.00
Prepaid interest, first (31 days)$763.48
Fees + prepaids$11,163.48
Your down payment is the seller’s equity. You take over the $249,705 balance, so the rest of the $358,975 price is paid at closing. A second mortgage can cover part of it. $120,433.21 is due at closing. Uses and sources reconcile at $370,138.48 each. Not a Closing Disclosure.