Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$76,800Cash toward the purchase price.
Closing costs + prepaids$12,646Not just lender fees.
Before credits & paid funds$89,446The complete starting cash picture.
Estimated remaining funds due at closing
$89,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,799.72
Your down payment$76,799.72
Closing costs + prepaids$12,645.84
Total buyer cash needed$89,445.56
Remaining funds due$89,445.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$1,311.00
Initial HOA (3 months)$750.00
Prepaid interest, first (31 days)$709.84
Fees + prepaids$12,645.84
Your down payment is the seller’s equity. You take over the $288,200 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $89,445.56 is due at closing. Uses and sources reconcile at $377,645.84 each. Not a Closing Disclosure.