Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$101,037Cash toward the purchase price.
Closing costs + prepaids$11,258Not just lender fees.
Before credits & paid funds$112,295The complete starting cash picture.
Estimated remaining funds due at closing
$112,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,037.17
Your down payment$101,037.17
Closing costs + prepaids$11,258.31
Total buyer cash needed$112,295.48
Remaining funds due$112,295.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,059.00
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)$507.50
Initial HOA (3 months)$105.99
Prepaid interest, first (15 days)$360.82
Fees + prepaids$11,258.31
Your down payment is the seller’s equity. You take over the $304,863 balance, so the rest of the $405,900 price is paid at closing. A second mortgage can cover part of it. $112,295.48 is due at closing. Uses and sources reconcile at $417,158.31 each. Not a Closing Disclosure.