Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$77,316Cash toward the purchase price.
Closing costs + prepaids$13,364Not just lender fees.
Before credits & paid funds$90,680The complete starting cash picture.
Estimated remaining funds due at closing
$90,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,315.68
Your down payment$77,315.68
Closing costs + prepaids$13,364.39
Total buyer cash needed$90,680.07
Remaining funds due$90,680.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$1,916.25
Initial HOA (3 months)$972.00
Prepaid interest, first (24 days)$552.14
Fees + prepaids$13,364.39
Your down payment is the seller’s equity. You take over the $292,584 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $90,680.07 is due at closing. Uses and sources reconcile at $383,264.39 each. Not a Closing Disclosure.