Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$26,511Cash toward the purchase price.
Closing costs + prepaids$7,524Not just lender fees.
Before credits & paid funds$34,035The complete starting cash picture.
Estimated remaining funds due at closing
$34,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,511.04
Your down payment$26,511.04
Closing costs + prepaids$7,523.56
Total buyer cash needed$34,034.60
Remaining funds due$34,034.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$985.00
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)$114.75
Prepaid interest, first (28 days)$198.81
Fees + prepaids$7,523.56
Your down payment is the seller’s equity. You take over the $71,989 balance, so the rest of the $98,500 price is paid at closing. A second mortgage can cover part of it. $34,034.60 is due at closing. Uses and sources reconcile at $106,023.56 each. Not a Closing Disclosure.