Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$100,958Cash toward the purchase price.
Closing costs + prepaids$11,529Not just lender fees.
Before credits & paid funds$112,488The complete starting cash picture.
Estimated remaining funds due at closing
$112,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,958.49
Your down payment$100,958.49
Closing costs + prepaids$11,529.37
Total buyer cash needed$112,487.86
Remaining funds due$112,487.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$580.00
Initial HOA (3 months)$182.01
Prepaid interest, first (31 days)$692.36
Fees + prepaids$11,529.37
Your down payment is the seller’s equity. You take over the $284,042 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $112,487.86 is due at closing. Uses and sources reconcile at $396,529.37 each. Not a Closing Disclosure.