Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$100,305Cash toward the purchase price.
Closing costs + prepaids$10,859Not just lender fees.
Before credits & paid funds$111,165The complete starting cash picture.
Estimated remaining funds due at closing
$111,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,305.46
Your down payment$100,305.46
Closing costs + prepaids$10,859.40
Total buyer cash needed$111,164.85
Remaining funds due$111,164.85
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 (1 days)$22.39
Fees + prepaids$10,859.40
Your down payment is the seller’s equity. You take over the $284,695 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $111,164.85 is due at closing. Uses and sources reconcile at $395,859.40 each. Not a Closing Disclosure.