Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$85,423Cash toward the purchase price.
Closing costs + prepaids$12,090Not just lender fees.
Before credits & paid funds$97,513The complete starting cash picture.
Estimated remaining funds due at closing
$97,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,422.66
Your down payment$85,422.66
Closing costs + prepaids$12,090.02
Total buyer cash needed$97,512.68
Remaining funds due$97,512.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.90
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)$427.50
Prepaid interest, first (26 days)$1,587.62
Fees + prepaids$12,090.02
Your down payment is the seller’s equity. You take over the $299,567 balance, so the rest of the $384,990 price is paid at closing. A second mortgage can cover part of it. $97,512.68 is due at closing. Uses and sources reconcile at $397,080.02 each. Not a Closing Disclosure.