Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$104,927Cash toward the purchase price.
Closing costs + prepaids$11,183Not just lender fees.
Before credits & paid funds$116,109The complete starting cash picture.
Estimated remaining funds due at closing
$116,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,926.72
Your down payment$104,926.72
Closing costs + prepaids$11,182.77
Total buyer cash needed$116,109.49
Remaining funds due$116,109.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$468.75
Prepaid interest, first (15 days)$740.02
Fees + prepaids$11,182.77
Your down payment is the seller’s equity. You take over the $269,973 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $116,109.49 is due at closing. Uses and sources reconcile at $386,082.77 each. Not a Closing Disclosure.