Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$104,116Cash toward the purchase price.
Closing costs + prepaids$11,452Not just lender fees.
Before credits & paid funds$115,567The complete starting cash picture.
Estimated remaining funds due at closing
$115,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,115.75
Your down payment$104,115.75
Closing costs + prepaids$11,451.59
Total buyer cash needed$115,567.33
Remaining funds due$115,567.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$480.00
Initial HOA (3 months)$318.00
Prepaid interest, first (17 days)$428.59
Fees + prepaids$11,451.59
Your down payment is the seller’s equity. You take over the $295,884 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $115,567.33 is due at closing. Uses and sources reconcile at $411,451.59 each. Not a Closing Disclosure.