Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$124,887Cash toward the purchase price.
Closing costs + prepaids$10,721Not just lender fees.
Before credits & paid funds$135,608The complete starting cash picture.
Estimated remaining funds due at closing
$135,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,886.99
Your down payment$124,886.99
Closing costs + prepaids$10,721.21
Total buyer cash needed$135,608.20
Remaining funds due$135,608.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,689.00
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)$461.25
Prepaid interest, first (15 days)$345.96
Fees + prepaids$10,721.21
Your down payment is the seller’s equity. You take over the $244,013 balance, so the rest of the $368,900 price is paid at closing. A second mortgage can cover part of it. $135,608.20 is due at closing. Uses and sources reconcile at $379,621.21 each. Not a Closing Disclosure.