Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$95,554Cash toward the purchase price.
Closing costs + prepaids$11,710Not just lender fees.
Before credits & paid funds$107,263The complete starting cash picture.
Estimated remaining funds due at closing
$107,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,553.86
Your down payment$95,553.86
Closing costs + prepaids$11,709.59
Total buyer cash needed$107,263.45
Remaining funds due$107,263.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.00
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)$1,432.25
Prepaid interest, first (23 days)$503.34
Fees + prepaids$11,709.59
Your down payment is the seller’s equity. You take over the $259,346 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $107,263.45 is due at closing. Uses and sources reconcile at $366,609.59 each. Not a Closing Disclosure.