Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$109,075Cash toward the purchase price.
Closing costs + prepaids$12,355Not just lender fees.
Before credits & paid funds$121,430The complete starting cash picture.
Estimated remaining funds due at closing
$121,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,075.29
Your down payment$109,075.29
Closing costs + prepaids$12,355.18
Total buyer cash needed$121,430.47
Remaining funds due$121,430.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,620.00
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)$1,644.00
Prepaid interest, first (25 days)$866.18
Fees + prepaids$12,355.18
Your down payment is the seller’s equity. You take over the $252,925 balance, so the rest of the $362,000 price is paid at closing. A second mortgage can cover part of it. $121,430.47 is due at closing. Uses and sources reconcile at $374,355.18 each. Not a Closing Disclosure.