Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$106,708Cash toward the purchase price.
Closing costs + prepaids$11,081Not just lender fees.
Before credits & paid funds$117,789The complete starting cash picture.
Estimated remaining funds due at closing
$117,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,707.85
Your down payment$106,707.85
Closing costs + prepaids$11,081.04
Total buyer cash needed$117,788.89
Remaining funds due$117,788.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$462.50
Prepaid interest, first (16 days)$694.54
Fees + prepaids$11,081.04
Your down payment is the seller’s equity. You take over the $263,192 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $117,788.89 is due at closing. Uses and sources reconcile at $380,981.04 each. Not a Closing Disclosure.