Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$83,474Cash toward the purchase price.
Closing costs + prepaids$11,527Not just lender fees.
Before credits & paid funds$95,001The complete starting cash picture.
Estimated remaining funds due at closing
$95,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,474.26
Your down payment$83,474.26
Closing costs + prepaids$11,527.22
Total buyer cash needed$95,001.47
Remaining funds due$95,001.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$692.00
Prepaid interest, first (28 days)$1,060.22
Fees + prepaids$11,527.22
Your down payment is the seller’s equity. You take over the $271,526 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $95,001.47 is due at closing. Uses and sources reconcile at $366,527.22 each. Not a Closing Disclosure.