Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$74,246Cash toward the purchase price.
Closing costs + prepaids$12,391Not just lender fees.
Before credits & paid funds$86,637The complete starting cash picture.
Estimated remaining funds due at closing
$86,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,245.55
Your down payment$74,245.55
Closing costs + prepaids$12,391.00
Total buyer cash needed$86,636.55
Remaining funds due$86,636.55
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)$1,173.00
Prepaid interest, first (28 days)$1,443.00
Fees + prepaids$12,391.00
Your down payment is the seller’s equity. You take over the $280,754 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $86,636.55 is due at closing. Uses and sources reconcile at $367,391.00 each. Not a Closing Disclosure.