Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$92,379Cash toward the purchase price.
Closing costs + prepaids$10,806Not just lender fees.
Before credits & paid funds$103,185The complete starting cash picture.
Estimated remaining funds due at closing
$103,185No 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$10,806.12
Total buyer cash needed$103,184.78
Remaining funds due$103,184.78
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 (27 days)$525.62
Fees + prepaids$10,806.12
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. $103,184.78 is due at closing. Uses and sources reconcile at $359,706.12 each. Not a Closing Disclosure.