Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$80,168Cash toward the purchase price.
Closing costs + prepaids$12,200Not just lender fees.
Before credits & paid funds$92,368The complete starting cash picture.
Estimated remaining funds due at closing
$92,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,167.56
Your down payment$80,167.56
Closing costs + prepaids$12,200.24
Total buyer cash needed$92,367.79
Remaining funds due$92,367.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$1,176.00
Initial HOA (3 months)$1,221.00
Prepaid interest, first (1 days)$28.24
Fees + prepaids$12,200.24
Your down payment is the seller’s equity. You take over the $274,832 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $92,367.79 is due at closing. Uses and sources reconcile at $367,200.24 each. Not a Closing Disclosure.