Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$100,174Cash toward the purchase price.
Closing costs + prepaids$11,257Not just lender fees.
Before credits & paid funds$111,431The complete starting cash picture.
Estimated remaining funds due at closing
$111,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,173.71
Your down payment$100,173.71
Closing costs + prepaids$11,257.11
Total buyer cash needed$111,430.82
Remaining funds due$111,430.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,580.00
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)$276.00
Prepaid interest, first (30 days)$1,176.11
Fees + prepaids$11,257.11
Your down payment is the seller’s equity. You take over the $257,826 balance, so the rest of the $358,000 price is paid at closing. A second mortgage can cover part of it. $111,430.82 is due at closing. Uses and sources reconcile at $369,257.11 each. Not a Closing Disclosure.