Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$81,844Cash toward the purchase price.
Closing costs + prepaids$12,782Not just lender fees.
Before credits & paid funds$94,626The complete starting cash picture.
Estimated remaining funds due at closing
$94,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,843.94
Your down payment$81,843.94
Closing costs + prepaids$12,781.91
Total buyer cash needed$94,625.85
Remaining funds due$94,625.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.00
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)$806.50
Initial HOA (3 months)$729.00
Prepaid interest, first (26 days)$1,472.41
Fees + prepaids$12,781.91
Your down payment is the seller’s equity. You take over the $273,056 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $94,625.85 is due at closing. Uses and sources reconcile at $367,681.91 each. Not a Closing Disclosure.