Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$114,469Cash toward the purchase price.
Closing costs + prepaids$11,263Not just lender fees.
Before credits & paid funds$125,733The complete starting cash picture.
Estimated remaining funds due at closing
$125,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,469.43
Your down payment$114,469.43
Closing costs + prepaids$11,263.44
Total buyer cash needed$125,732.88
Remaining funds due$125,732.88
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)$990.25
Prepaid interest, first (24 days)$498.19
Fees + prepaids$11,263.44
Your down payment is the seller’s equity. You take over the $240,531 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $125,732.88 is due at closing. Uses and sources reconcile at $366,263.44 each. Not a Closing Disclosure.