Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$78,120Cash toward the purchase price.
Closing costs + prepaids$11,403Not just lender fees.
Before credits & paid funds$89,524The complete starting cash picture.
Estimated remaining funds due at closing
$89,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,120.09
Your down payment$78,120.09
Closing costs + prepaids$11,403.42
Total buyer cash needed$89,523.51
Remaining funds due$89,523.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,697.77
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)$924.50
Prepaid interest, first (24 days)$556.15
Fees + prepaids$11,403.42
Your down payment is the seller’s equity. You take over the $291,657 balance, so the rest of the $369,777 price is paid at closing. A second mortgage can cover part of it. $89,523.51 is due at closing. Uses and sources reconcile at $381,180.42 each. Not a Closing Disclosure.