Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$88,650Cash toward the purchase price.
Closing costs + prepaids$12,066Not just lender fees.
Before credits & paid funds$100,716The complete starting cash picture.
Estimated remaining funds due at closing
$100,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,650.30
Your down payment$88,650.30
Closing costs + prepaids$12,065.56
Total buyer cash needed$100,715.86
Remaining funds due$100,715.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$1,011.50
Prepaid interest, first (23 days)$980.06
Fees + prepaids$12,065.56
Your down payment is the seller’s equity. You take over the $296,250 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $100,715.86 is due at closing. Uses and sources reconcile at $396,965.56 each. Not a Closing Disclosure.