Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$76,643Cash toward the purchase price.
Closing costs + prepaids$12,858Not just lender fees.
Before credits & paid funds$89,501The complete starting cash picture.
Estimated remaining funds due at closing
$89,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,643.00
Your down payment$76,643.00
Closing costs + prepaids$12,858.37
Total buyer cash needed$89,501.37
Remaining funds due$89,501.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$1,916.25
Initial HOA (3 months)$972.00
Prepaid interest, first (2 days)$46.12
Fees + prepaids$12,858.37
Your down payment is the seller’s equity. You take over the $293,257 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $89,501.37 is due at closing. Uses and sources reconcile at $382,758.37 each. Not a Closing Disclosure.