Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$108,704Cash toward the purchase price.
Closing costs + prepaids$10,449Not just lender fees.
Before credits & paid funds$119,153The complete starting cash picture.
Estimated remaining funds due at closing
$119,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,704.08
Your down payment$108,704.08
Closing costs + prepaids$10,449.37
Total buyer cash needed$119,153.45
Remaining funds due$119,153.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,589.75
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)$303.25
Initial HOA (3 months)$282.00
Prepaid interest, first (2 days)$49.37
Fees + prepaids$10,449.37
Your down payment is the seller’s equity. You take over the $250,271 balance, so the rest of the $358,975 price is paid at closing. A second mortgage can cover part of it. $119,153.45 is due at closing. Uses and sources reconcile at $369,424.37 each. Not a Closing Disclosure.