Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$81,659Cash toward the purchase price.
Closing costs + prepaids$11,641Not just lender fees.
Before credits & paid funds$93,300The complete starting cash picture.
Estimated remaining funds due at closing
$93,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,658.86
Your down payment$81,658.86
Closing costs + prepaids$11,641.42
Total buyer cash needed$93,300.28
Remaining funds due$93,300.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$397.25
Prepaid interest, first (27 days)$1,420.17
Fees + prepaids$11,641.42
Your down payment is the seller’s equity. You take over the $278,241 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $93,300.28 is due at closing. Uses and sources reconcile at $371,541.42 each. Not a Closing Disclosure.