Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$104,327Cash toward the purchase price.
Closing costs + prepaids$12,383Not just lender fees.
Before credits & paid funds$116,710The complete starting cash picture.
Estimated remaining funds due at closing
$116,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,326.88
Your down payment$104,326.88
Closing costs + prepaids$12,383.10
Total buyer cash needed$116,709.98
Remaining funds due$116,709.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,940.00
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)$278.00
Initial HOA (3 months)$399.99
Prepaid interest, first (31 days)$1,540.11
Fees + prepaids$12,383.10
Your down payment is the seller’s equity. You take over the $289,673 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $116,709.98 is due at closing. Uses and sources reconcile at $406,383.10 each. Not a Closing Disclosure.