Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$96,333Cash toward the purchase price.
Closing costs + prepaids$15,145Not just lender fees.
Before credits & paid funds$111,478The complete starting cash picture.
Estimated remaining funds due at closing
$111,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,333.05
Your down payment$96,333.05
Closing costs + prepaids$15,144.94
Total buyer cash needed$111,477.99
Remaining funds due$111,477.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,960.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$673.75
Initial HOA (3 months)$711.00
Prepaid interest, first (31 days)$2,325.19
Fees + prepaids$15,144.94
Your down payment is the seller’s equity. You take over the $399,667 balance, so the rest of the $496,000 price is paid at closing. A second mortgage can cover part of it. $111,477.99 is due at closing. Uses and sources reconcile at $511,144.94 each. Not a Closing Disclosure.