Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$87,647Cash toward the purchase price.
Closing costs + prepaids$11,694Not just lender fees.
Before credits & paid funds$99,341The complete starting cash picture.
Estimated remaining funds due at closing
$99,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,647.30
Your down payment$87,647.30
Closing costs + prepaids$11,694.17
Total buyer cash needed$99,341.46
Remaining funds due$99,341.46
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)$541.75
Initial HOA (3 months)$300.00
Prepaid interest, first (23 days)$928.42
Fees + prepaids$11,694.17
Your down payment is the seller’s equity. You take over the $282,253 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $99,341.46 is due at closing. Uses and sources reconcile at $381,594.17 each. Not a Closing Disclosure.