Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$82,787Cash toward the purchase price.
Closing costs + prepaids$11,450Not just lender fees.
Before credits & paid funds$94,237The complete starting cash picture.
Estimated remaining funds due at closing
$94,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,786.55
Your down payment$82,786.55
Closing costs + prepaids$11,450.26
Total buyer cash needed$94,236.81
Remaining funds due$94,236.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$523.50
Prepaid interest, first (25 days)$1,102.76
Fees + prepaids$11,450.26
Your down payment is the seller’s equity. You take over the $277,113 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $94,236.81 is due at closing. Uses and sources reconcile at $371,350.26 each. Not a Closing Disclosure.