Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$98,633Cash toward the purchase price.
Closing costs + prepaids$10,244Not just lender fees.
Before credits & paid funds$108,877The complete starting cash picture.
Estimated remaining funds due at closing
$108,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,632.96
Your down payment$98,632.96
Closing costs + prepaids$10,244.41
Total buyer cash needed$108,877.38
Remaining funds due$108,877.38
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)$348.25
Prepaid interest, first (1 days)$21.16
Fees + prepaids$10,244.41
Your down payment is the seller’s equity. You take over the $266,367 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $108,877.38 is due at closing. Uses and sources reconcile at $375,244.41 each. Not a Closing Disclosure.