Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$104,016Cash toward the purchase price.
Closing costs + prepaids$11,617Not just lender fees.
Before credits & paid funds$115,633The complete starting cash picture.
Estimated remaining funds due at closing
$115,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,015.84
Your down payment$104,015.84
Closing costs + prepaids$11,616.88
Total buyer cash needed$115,632.72
Remaining funds due$115,632.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$500.00
Initial HOA (3 months)$57.51
Prepaid interest, first (15 days)$835.37
Fees + prepaids$11,616.88
Your down payment is the seller’s equity. You take over the $295,884 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $115,632.72 is due at closing. Uses and sources reconcile at $411,516.88 each. Not a Closing Disclosure.