Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$109,568Cash toward the purchase price.
Closing costs + prepaids$11,159Not just lender fees.
Before credits & paid funds$120,727The complete starting cash picture.
Estimated remaining funds due at closing
$120,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,568.30
Your down payment$109,568.30
Closing costs + prepaids$11,158.86
Total buyer cash needed$120,727.17
Remaining funds due$120,727.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$168.25
Prepaid interest, first (27 days)$1,166.61
Fees + prepaids$11,158.86
Your down payment is the seller’s equity. You take over the $250,332 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $120,727.17 is due at closing. Uses and sources reconcile at $371,058.86 each. Not a Closing Disclosure.