Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$85,527Cash toward the purchase price.
Closing costs + prepaids$12,141Not just lender fees.
Before credits & paid funds$97,668The complete starting cash picture.
Estimated remaining funds due at closing
$97,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,526.97
Your down payment$85,526.97
Closing costs + prepaids$12,140.89
Total buyer cash needed$97,667.86
Remaining funds due$97,667.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$995.00
Initial HOA (3 months)$95.76
Prepaid interest, first (24 days)$1,135.13
Fees + prepaids$12,140.89
Your down payment is the seller’s equity. You take over the $283,473 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $97,667.86 is due at closing. Uses and sources reconcile at $381,140.89 each. Not a Closing Disclosure.