Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$92,379Cash toward the purchase price.
Closing costs + prepaids$10,650Not just lender fees.
Before credits & paid funds$103,029The complete starting cash picture.
Estimated remaining funds due at closing
$103,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,378.66
Your down payment$92,378.66
Closing costs + prepaids$10,650.38
Total buyer cash needed$103,029.04
Remaining funds due$103,029.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,489.00
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)$566.50
Prepaid interest, first (19 days)$369.88
Fees + prepaids$10,650.38
Your down payment is the seller’s equity. You take over the $256,521 balance, so the rest of the $348,900 price is paid at closing. A second mortgage can cover part of it. $103,029.04 is due at closing. Uses and sources reconcile at $359,550.38 each. Not a Closing Disclosure.