Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$79,299Cash toward the purchase price.
Closing costs + prepaids$13,224Not just lender fees.
Before credits & paid funds$92,523The complete starting cash picture.
Estimated remaining funds due at closing
$92,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,299.34
Your down payment$79,299.34
Closing costs + prepaids$13,223.64
Total buyer cash needed$92,522.97
Remaining funds due$92,522.97
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)$2,712.25
Prepaid interest, first (26 days)$596.39
Fees + prepaids$13,223.64
Your down payment is the seller’s equity. You take over the $289,701 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $92,522.97 is due at closing. Uses and sources reconcile at $382,223.64 each. Not a Closing Disclosure.