Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$106,008Cash toward the purchase price.
Closing costs + prepaids$11,881Not just lender fees.
Before credits & paid funds$117,889The complete starting cash picture.
Estimated remaining funds due at closing
$117,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,007.94
Your down payment$106,007.94
Closing costs + prepaids$11,881.45
Total buyer cash needed$117,889.38
Remaining funds due$117,889.38
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)$671.75
Prepaid interest, first (30 days)$1,334.70
Fees + prepaids$11,881.45
Your down payment is the seller’s equity. You take over the $258,992 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $117,889.38 is due at closing. Uses and sources reconcile at $376,881.45 each. Not a Closing Disclosure.