Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$102,119Cash toward the purchase price.
Closing costs + prepaids$10,697Not just lender fees.
Before credits & paid funds$112,816The complete starting cash picture.
Estimated remaining funds due at closing
$112,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,118.86
Your down payment$102,118.86
Closing costs + prepaids$10,697.31
Total buyer cash needed$112,816.17
Remaining funds due$112,816.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$470.25
Initial HOA (3 months)$291.00
Prepaid interest, first (1 days)$21.06
Fees + prepaids$10,697.31
Your down payment is the seller’s equity. You take over the $266,881 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $112,816.17 is due at closing. Uses and sources reconcile at $379,697.31 each. Not a Closing Disclosure.