Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$97,019Cash toward the purchase price.
Closing costs + prepaids$10,561Not just lender fees.
Before credits & paid funds$107,580The complete starting cash picture.
Estimated remaining funds due at closing
$107,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,018.87
Your down payment$97,018.87
Closing costs + prepaids$10,561.08
Total buyer cash needed$107,579.95
Remaining funds due$107,579.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,589.00
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)$448.75
Prepaid interest, first (14 days)$298.33
Fees + prepaids$10,561.08
Your down payment is the seller’s equity. You take over the $261,881 balance, so the rest of the $358,900 price is paid at closing. A second mortgage can cover part of it. $107,579.95 is due at closing. Uses and sources reconcile at $369,461.08 each. Not a Closing Disclosure.