Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$95,321Cash toward the purchase price.
Closing costs + prepaids$11,472Not just lender fees.
Before credits & paid funds$106,793The complete starting cash picture.
Estimated remaining funds due at closing
$106,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,321.23
Your down payment$95,321.23
Closing costs + prepaids$11,471.96
Total buyer cash needed$106,793.20
Remaining funds due$106,793.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$565.00
Prepaid interest, first (30 days)$1,082.96
Fees + prepaids$11,471.96
Your down payment is the seller’s equity. You take over the $264,579 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $106,793.20 is due at closing. Uses and sources reconcile at $371,371.96 each. Not a Closing Disclosure.