Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$95,548Cash toward the purchase price.
Closing costs + prepaids$12,440Not just lender fees.
Before credits & paid funds$107,988The complete starting cash picture.
Estimated remaining funds due at closing
$107,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,548.27
Your down payment$95,548.27
Closing costs + prepaids$12,439.97
Total buyer cash needed$107,988.23
Remaining funds due$107,988.23
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)$993.25
Prepaid interest, first (26 days)$1,372.72
Fees + prepaids$12,439.97
Your down payment is the seller’s equity. You take over the $289,352 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $107,988.23 is due at closing. Uses and sources reconcile at $397,339.97 each. Not a Closing Disclosure.