Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$100,775Cash toward the purchase price.
Closing costs + prepaids$11,596Not just lender fees.
Before credits & paid funds$112,371The complete starting cash picture.
Estimated remaining funds due at closing
$112,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,774.57
Your down payment$100,774.57
Closing costs + prepaids$11,596.44
Total buyer cash needed$112,371.01
Remaining funds due$112,371.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$299.00
Initial HOA (3 months)$573.00
Prepaid interest, first (20 days)$649.44
Fees + prepaids$11,596.44
Your down payment is the seller’s equity. You take over the $284,225 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $112,371.01 is due at closing. Uses and sources reconcile at $396,596.44 each. Not a Closing Disclosure.