Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$108,838Cash toward the purchase price.
Closing costs + prepaids$11,855Not just lender fees.
Before credits & paid funds$120,693The complete starting cash picture.
Estimated remaining funds due at closing
$120,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,838.11
Your down payment$108,838.11
Closing costs + prepaids$11,854.57
Total buyer cash needed$120,692.68
Remaining funds due$120,692.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$779.25
Initial HOA (3 months)$375.00
Prepaid interest, first (20 days)$475.42
Fees + prepaids$11,854.57
Your down payment is the seller’s equity. You take over the $291,152 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $120,692.68 is due at closing. Uses and sources reconcile at $411,844.57 each. Not a Closing Disclosure.