Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$103,072Cash toward the purchase price.
Closing costs + prepaids$10,539Not just lender fees.
Before credits & paid funds$113,610The complete starting cash picture.
Estimated remaining funds due at closing
$113,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,071.53
Your down payment$103,071.53
Closing costs + prepaids$10,538.66
Total buyer cash needed$113,610.19
Remaining funds due$113,610.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$567.50
Prepaid interest, first (2 days)$96.16
Fees + prepaids$10,538.66
Your down payment is the seller’s equity. You take over the $261,928 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $113,610.19 is due at closing. Uses and sources reconcile at $375,538.66 each. Not a Closing Disclosure.