Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$97,462Cash toward the purchase price.
Closing costs + prepaids$10,689Not just lender fees.
Before credits & paid funds$108,151The complete starting cash picture.
Estimated remaining funds due at closing
$108,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,462.00
Your down payment$97,462.00
Closing costs + prepaids$10,688.93
Total buyer cash needed$108,150.93
Remaining funds due$108,150.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$456.00
Prepaid interest, first (9 days)$208.93
Fees + prepaids$10,688.93
Your down payment is the seller’s equity. You take over the $282,438 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $108,150.93 is due at closing. Uses and sources reconcile at $390,588.93 each. Not a Closing Disclosure.