Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,575Cash toward the purchase price.
Closing costs + prepaids$11,534Not just lender fees.
Before credits & paid funds$120,109The complete starting cash picture.
Estimated remaining funds due at closing
$120,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,574.54
Your down payment$108,574.54
Closing costs + prepaids$11,534.39
Total buyer cash needed$120,108.93
Remaining funds due$120,108.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$401.25
Prepaid interest, first (26 days)$1,159.14
Fees + prepaids$11,534.39
Your down payment is the seller’s equity. You take over the $266,325 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $120,108.93 is due at closing. Uses and sources reconcile at $386,434.39 each. Not a Closing Disclosure.