Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$95,206Cash toward the purchase price.
Closing costs + prepaids$10,890Not just lender fees.
Before credits & paid funds$106,096The complete starting cash picture.
Estimated remaining funds due at closing
$106,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,206.20
Your down payment$95,206.20
Closing costs + prepaids$10,890.29
Total buyer cash needed$106,096.49
Remaining funds due$106,096.49
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)$39.99
Prepaid interest, first (6 days)$145.30
Fees + prepaids$10,890.29
Your down payment is the seller’s equity. You take over the $304,794 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $106,096.49 is due at closing. Uses and sources reconcile at $410,890.29 each. Not a Closing Disclosure.