Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$107,628Cash toward the purchase price.
Closing costs + prepaids$11,184Not just lender fees.
Before credits & paid funds$118,813The complete starting cash picture.
Estimated remaining funds due at closing
$118,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,628.19
Your down payment$107,628.19
Closing costs + prepaids$11,184.37
Total buyer cash needed$118,812.56
Remaining funds due$118,812.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,659.00
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)$1,259.75
Prepaid interest, first (2 days)$40.62
Fees + prepaids$11,184.37
Your down payment is the seller’s equity. You take over the $258,272 balance, so the rest of the $365,900 price is paid at closing. A second mortgage can cover part of it. $118,812.56 is due at closing. Uses and sources reconcile at $377,084.37 each. Not a Closing Disclosure.