Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$95,721Cash toward the purchase price.
Closing costs + prepaids$12,042Not just lender fees.
Before credits & paid funds$107,763The complete starting cash picture.
Estimated remaining funds due at closing
$107,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,720.56
Your down payment$95,720.56
Closing costs + prepaids$12,042.02
Total buyer cash needed$107,762.59
Remaining funds due$107,762.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$718.25
Prepaid interest, first (28 days)$1,408.77
Fees + prepaids$12,042.02
Your down payment is the seller’s equity. You take over the $273,279 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $107,762.59 is due at closing. Uses and sources reconcile at $381,042.02 each. Not a Closing Disclosure.