Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$104,393Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$116,739The complete starting cash picture.
Estimated remaining funds due at closing
$116,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,392.80
Your down payment$104,392.80
Closing costs + prepaids$12,346.19
Total buyer cash needed$116,738.99
Remaining funds due$116,738.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.99
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)$925.00
Prepaid interest, first (29 days)$1,496.20
Fees + prepaids$12,346.19
Your down payment is the seller’s equity. You take over the $265,606 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $116,738.99 is due at closing. Uses and sources reconcile at $382,345.19 each. Not a Closing Disclosure.