Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$89,524Cash toward the purchase price.
Closing costs + prepaids$12,099Not just lender fees.
Before credits & paid funds$101,623The complete starting cash picture.
Estimated remaining funds due at closing
$101,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,524.35
Your down payment$89,524.35
Closing costs + prepaids$12,098.98
Total buyer cash needed$101,623.33
Remaining funds due$101,623.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$467.75
Prepaid interest, first (27 days)$1,556.23
Fees + prepaids$12,098.98
Your down payment is the seller’s equity. You take over the $295,476 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $101,623.33 is due at closing. Uses and sources reconcile at $397,098.98 each. Not a Closing Disclosure.