Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$90,956Cash toward the purchase price.
Closing costs + prepaids$12,506Not just lender fees.
Before credits & paid funds$103,462The complete starting cash picture.
Estimated remaining funds due at closing
$103,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,955.86
Your down payment$90,955.86
Closing costs + prepaids$12,505.95
Total buyer cash needed$103,461.81
Remaining funds due$103,461.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$334.75
Initial HOA (3 months)$219.00
Prepaid interest, first (31 days)$1,737.20
Fees + prepaids$12,505.95
Your down payment is the seller’s equity. You take over the $308,044 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $103,461.81 is due at closing. Uses and sources reconcile at $411,505.95 each. Not a Closing Disclosure.