Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$102,914Cash toward the purchase price.
Closing costs + prepaids$11,339Not just lender fees.
Before credits & paid funds$114,253The complete starting cash picture.
Estimated remaining funds due at closing
$114,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,913.92
Your down payment$102,913.92
Closing costs + prepaids$11,339.47
Total buyer cash needed$114,253.39
Remaining funds due$114,253.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$351.50
Prepaid interest, first (31 days)$1,112.97
Fees + prepaids$11,339.47
Your down payment is the seller’s equity. You take over the $262,086 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $114,253.39 is due at closing. Uses and sources reconcile at $376,339.47 each. Not a Closing Disclosure.