Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$100,610Cash toward the purchase price.
Closing costs + prepaids$11,374Not just lender fees.
Before credits & paid funds$111,984The complete starting cash picture.
Estimated remaining funds due at closing
$111,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,609.75
Your down payment$100,609.75
Closing costs + prepaids$11,373.99
Total buyer cash needed$111,983.73
Remaining funds due$111,983.73
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)$922.50
Prepaid interest, first (24 days)$536.49
Fees + prepaids$11,373.99
Your down payment is the seller’s equity. You take over the $268,390 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $111,983.73 is due at closing. Uses and sources reconcile at $380,373.99 each. Not a Closing Disclosure.