Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$67,352Cash toward the purchase price.
Closing costs + prepaids$11,773Not just lender fees.
Before credits & paid funds$79,125The complete starting cash picture.
Estimated remaining funds due at closing
$79,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,351.79
Your down payment$67,351.79
Closing costs + prepaids$11,773.10
Total buyer cash needed$79,124.89
Remaining funds due$79,124.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.90
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)$780.75
Initial HOA (3 months)$249.00
Prepaid interest, first (30 days)$868.45
Fees + prepaids$11,773.10
Your down payment is the seller’s equity. You take over the $297,638 balance, so the rest of the $364,990 price is paid at closing. A second mortgage can cover part of it. $79,124.89 is due at closing. Uses and sources reconcile at $376,763.10 each. Not a Closing Disclosure.