Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$95,420Cash toward the purchase price.
Closing costs + prepaids$10,701Not just lender fees.
Before credits & paid funds$106,122The complete starting cash picture.
Estimated remaining funds due at closing
$106,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,420.37
Your down payment$95,420.37
Closing costs + prepaids$10,701.44
Total buyer cash needed$106,121.81
Remaining funds due$106,121.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$462.00
Prepaid interest, first (7 days)$165.44
Fees + prepaids$10,701.44
Your down payment is the seller’s equity. You take over the $289,480 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $106,121.81 is due at closing. Uses and sources reconcile at $395,601.44 each. Not a Closing Disclosure.