Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$97,823Cash toward the purchase price.
Closing costs + prepaids$11,105Not just lender fees.
Before credits & paid funds$108,927The complete starting cash picture.
Estimated remaining funds due at closing
$108,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,822.73
Your down payment$97,822.73
Closing costs + prepaids$11,104.52
Total buyer cash needed$108,927.25
Remaining funds due$108,927.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,448.88
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)$862.25
Prepaid interest, first (27 days)$568.39
Fees + prepaids$11,104.52
Your down payment is the seller’s equity. You take over the $247,065 balance, so the rest of the $344,888 price is paid at closing. A second mortgage can cover part of it. $108,927.25 is due at closing. Uses and sources reconcile at $355,992.52 each. Not a Closing Disclosure.