Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$88,377Cash toward the purchase price.
Closing costs + prepaids$10,112Not just lender fees.
Before credits & paid funds$98,488The complete starting cash picture.
Estimated remaining funds due at closing
$98,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,376.61
Your down payment$88,376.61
Closing costs + prepaids$10,111.76
Total buyer cash needed$98,488.38
Remaining funds due$98,488.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$287.75
Prepaid interest, first (1 days)$49.01
Fees + prepaids$10,111.76
Your down payment is the seller’s equity. You take over the $266,623 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $98,488.38 is due at closing. Uses and sources reconcile at $365,111.76 each. Not a Closing Disclosure.