Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$83,535Cash toward the purchase price.
Closing costs + prepaids$11,368Not just lender fees.
Before credits & paid funds$94,903The complete starting cash picture.
Estimated remaining funds due at closing
$94,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,535.02
Your down payment$83,535.02
Closing costs + prepaids$11,368.34
Total buyer cash needed$94,903.36
Remaining funds due$94,903.36
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)$174.75
Prepaid interest, first (20 days)$1,119.59
Fees + prepaids$11,368.34
Your down payment is the seller’s equity. You take over the $301,365 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $94,903.36 is due at closing. Uses and sources reconcile at $396,268.34 each. Not a Closing Disclosure.