Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$95,131Cash toward the purchase price.
Closing costs + prepaids$11,879Not just lender fees.
Before credits & paid funds$107,010The complete starting cash picture.
Estimated remaining funds due at closing
$107,010No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,131.18
Your down payment$95,131.18
Closing costs + prepaids$11,878.98
Total buyer cash needed$107,010.15
Remaining funds due$107,010.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,636.31
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)$893.50
Prepaid interest, first (27 days)$1,124.17
Fees + prepaids$11,878.98
Your down payment is the seller’s equity. You take over the $268,500 balance, so the rest of the $363,631 price is paid at closing. A second mortgage can cover part of it. $107,010.15 is due at closing. Uses and sources reconcile at $375,509.98 each. Not a Closing Disclosure.