Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$104,160Cash toward the purchase price.
Closing costs + prepaids$11,600Not just lender fees.
Before credits & paid funds$115,760The complete starting cash picture.
Estimated remaining funds due at closing
$115,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,159.70
Your down payment$104,159.70
Closing costs + prepaids$11,599.82
Total buyer cash needed$115,759.53
Remaining funds due$115,759.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.90
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)$1,208.50
Prepaid interest, first (30 days)$616.42
Fees + prepaids$11,599.82
Your down payment is the seller’s equity. You take over the $250,830 balance, so the rest of the $354,990 price is paid at closing. A second mortgage can cover part of it. $115,759.53 is due at closing. Uses and sources reconcile at $366,589.82 each. Not a Closing Disclosure.