Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$95,598Cash toward the purchase price.
Closing costs + prepaids$11,224Not just lender fees.
Before credits & paid funds$106,822The complete starting cash picture.
Estimated remaining funds due at closing
$106,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,598.03
Your down payment$95,598.03
Closing costs + prepaids$11,223.53
Total buyer cash needed$106,821.56
Remaining funds due$106,821.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$456.00
Initial HOA (3 months)$225.00
Prepaid interest, first (18 days)$517.53
Fees + prepaids$11,223.53
Your down payment is the seller’s equity. You take over the $284,402 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $106,821.56 is due at closing. Uses and sources reconcile at $391,223.53 each. Not a Closing Disclosure.