Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$96,533Cash toward the purchase price.
Closing costs + prepaids$11,365Not just lender fees.
Before credits & paid funds$107,898The complete starting cash picture.
Estimated remaining funds due at closing
$107,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,532.95
Your down payment$96,532.95
Closing costs + prepaids$11,364.75
Total buyer cash needed$107,897.70
Remaining funds due$107,897.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$481.25
Prepaid interest, first (15 days)$808.50
Fees + prepaids$11,364.75
Your down payment is the seller’s equity. You take over the $288,467 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $107,897.70 is due at closing. Uses and sources reconcile at $396,364.75 each. Not a Closing Disclosure.