Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$98,492Cash toward the purchase price.
Closing costs + prepaids$10,658Not just lender fees.
Before credits & paid funds$109,151The complete starting cash picture.
Estimated remaining funds due at closing
$109,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,492.16
Your down payment$98,492.16
Closing costs + prepaids$10,658.43
Total buyer cash needed$109,150.59
Remaining funds due$109,150.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$377.50
Prepaid interest, first (22 days)$456.93
Fees + prepaids$10,658.43
Your down payment is the seller’s equity. You take over the $261,408 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $109,150.59 is due at closing. Uses and sources reconcile at $370,558.43 each. Not a Closing Disclosure.