Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$81,182Cash toward the purchase price.
Closing costs + prepaids$11,342Not just lender fees.
Before credits & paid funds$92,524The complete starting cash picture.
Estimated remaining funds due at closing
$92,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,182.10
Your down payment$81,182.10
Closing costs + prepaids$11,341.66
Total buyer cash needed$92,523.76
Remaining funds due$92,523.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$571.50
Initial HOA (3 months)$132.00
Prepaid interest, first (22 days)$863.16
Fees + prepaids$11,341.66
Your down payment is the seller’s equity. You take over the $273,818 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $92,523.76 is due at closing. Uses and sources reconcile at $366,341.66 each. Not a Closing Disclosure.