Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$98,793Cash toward the purchase price.
Closing costs + prepaids$11,944Not just lender fees.
Before credits & paid funds$110,737The complete starting cash picture.
Estimated remaining funds due at closing
$110,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,793.42
Your down payment$98,793.42
Closing costs + prepaids$11,943.58
Total buyer cash needed$110,737.00
Remaining funds due$110,737.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.95
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)$480.50
Initial HOA (3 months)$219.00
Prepaid interest, first (19 days)$1,019.13
Fees + prepaids$11,943.58
Your down payment is the seller’s equity. You take over the $301,202 balance, so the rest of the $399,995 price is paid at closing. A second mortgage can cover part of it. $110,737.00 is due at closing. Uses and sources reconcile at $411,938.58 each. Not a Closing Disclosure.