Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$101,554Cash toward the purchase price.
Closing costs + prepaids$10,957Not just lender fees.
Before credits & paid funds$112,511The complete starting cash picture.
Estimated remaining funds due at closing
$112,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,553.91
Your down payment$101,553.91
Closing costs + prepaids$10,957.38
Total buyer cash needed$112,511.29
Remaining funds due$112,511.29
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 (10 days)$477.38
Fees + prepaids$10,957.38
Your down payment is the seller’s equity. You take over the $278,346 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $112,511.29 is due at closing. Uses and sources reconcile at $390,857.38 each. Not a Closing Disclosure.