Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$108,838Cash toward the purchase price.
Closing costs + prepaids$12,116Not just lender fees.
Before credits & paid funds$120,954The complete starting cash picture.
Estimated remaining funds due at closing
$120,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,838.11
Your down payment$108,838.11
Closing costs + prepaids$12,116.04
Total buyer cash needed$120,954.15
Remaining funds due$120,954.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$779.25
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$736.89
Fees + prepaids$12,116.04
Your down payment is the seller’s equity. You take over the $291,152 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $120,954.15 is due at closing. Uses and sources reconcile at $412,106.04 each. Not a Closing Disclosure.