Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$80,111Cash toward the purchase price.
Closing costs + prepaids$11,549Not just lender fees.
Before credits & paid funds$91,661The complete starting cash picture.
Estimated remaining funds due at closing
$91,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,111.37
Your down payment$80,111.37
Closing costs + prepaids$11,549.30
Total buyer cash needed$91,660.67
Remaining funds due$91,660.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$237.00
Prepaid interest, first (26 days)$1,438.30
Fees + prepaids$11,549.30
Your down payment is the seller’s equity. You take over the $284,789 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $91,660.67 is due at closing. Uses and sources reconcile at $376,449.30 each. Not a Closing Disclosure.