Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$98,466Cash toward the purchase price.
Closing costs + prepaids$10,632Not just lender fees.
Before credits & paid funds$109,098The complete starting cash picture.
Estimated remaining funds due at closing
$109,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,466.19
Your down payment$98,466.19
Closing costs + prepaids$10,631.63
Total buyer cash needed$109,097.82
Remaining funds due$109,097.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$456.00
Prepaid interest, first (7 days)$150.64
Fees + prepaids$10,631.63
Your down payment is the seller’s equity. You take over the $281,533 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $109,097.82 is due at closing. Uses and sources reconcile at $390,630.63 each. Not a Closing Disclosure.