Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$116,315Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$127,151The complete starting cash picture.
Estimated remaining funds due at closing
$127,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,315.14
Your down payment$116,315.14
Closing costs + prepaids$10,835.88
Total buyer cash needed$127,151.02
Remaining funds due$127,151.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$464.00
Initial HOA (3 months)$252.00
Prepaid interest, first (18 days)$344.88
Fees + prepaids$10,835.88
Your down payment is the seller’s equity. You take over the $238,685 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $127,151.02 is due at closing. Uses and sources reconcile at $365,835.88 each. Not a Closing Disclosure.