Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$74,086Cash toward the purchase price.
Closing costs + prepaids$10,221Not just lender fees.
Before credits & paid funds$84,306The complete starting cash picture.
Estimated remaining funds due at closing
$84,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,085.70
Your down payment$74,085.70
Closing costs + prepaids$10,220.60
Total buyer cash needed$84,306.30
Remaining funds due$84,306.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.99
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)$228.00
Prepaid interest, first (2 days)$67.61
Fees + prepaids$10,220.60
Your down payment is the seller’s equity. You take over the $295,913 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $84,306.30 is due at closing. Uses and sources reconcile at $380,219.60 each. Not a Closing Disclosure.