Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$78,317Cash toward the purchase price.
Closing costs + prepaids$12,837Not just lender fees.
Before credits & paid funds$91,154The complete starting cash picture.
Estimated remaining funds due at closing
$91,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,316.83
Your down payment$78,316.83
Closing costs + prepaids$12,837.40
Total buyer cash needed$91,154.23
Remaining funds due$91,154.23
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)$912.50
Initial HOA (3 months)$660.00
Prepaid interest, first (28 days)$1,389.90
Fees + prepaids$12,837.40
Your down payment is the seller’s equity. You take over the $286,683 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $91,154.23 is due at closing. Uses and sources reconcile at $377,837.40 each. Not a Closing Disclosure.