Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$119,458Cash toward the purchase price.
Closing costs + prepaids$10,653Not just lender fees.
Before credits & paid funds$130,111The complete starting cash picture.
Estimated remaining funds due at closing
$130,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,457.53
Your down payment$119,457.53
Closing costs + prepaids$10,653.39
Total buyer cash needed$130,110.93
Remaining funds due$130,110.93
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)$304.25
Prepaid interest, first (31 days)$574.14
Fees + prepaids$10,653.39
Your down payment is the seller’s equity. You take over the $235,542 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $130,110.93 is due at closing. Uses and sources reconcile at $365,653.39 each. Not a Closing Disclosure.