Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$80,682Cash toward the purchase price.
Closing costs + prepaids$12,769Not just lender fees.
Before credits & paid funds$93,451The complete starting cash picture.
Estimated remaining funds due at closing
$93,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,681.62
Your down payment$80,681.62
Closing costs + prepaids$12,769.16
Total buyer cash needed$93,450.78
Remaining funds due$93,450.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$552.00
Initial HOA (3 months)$1,122.00
Prepaid interest, first (28 days)$1,080.16
Fees + prepaids$12,769.16
Your down payment is the seller’s equity. You take over the $298,318 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $93,450.78 is due at closing. Uses and sources reconcile at $391,769.16 each. Not a Closing Disclosure.