Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$111,675Cash toward the purchase price.
Closing costs + prepaids$11,318Not just lender fees.
Before credits & paid funds$122,993The complete starting cash picture.
Estimated remaining funds due at closing
$122,993No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,675.43
Your down payment$111,675.43
Closing costs + prepaids$11,318.04
Total buyer cash needed$122,993.47
Remaining funds due$122,993.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$183.00
Prepaid interest, first (27 days)$1,211.04
Fees + prepaids$11,318.04
Your down payment is the seller’s equity. You take over the $258,225 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $122,993.47 is due at closing. Uses and sources reconcile at $381,218.04 each. Not a Closing Disclosure.