Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$80,893Cash toward the purchase price.
Closing costs + prepaids$12,350Not just lender fees.
Before credits & paid funds$93,243The complete starting cash picture.
Estimated remaining funds due at closing
$93,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,893.42
Your down payment$80,893.42
Closing costs + prepaids$12,349.70
Total buyer cash needed$93,243.12
Remaining funds due$93,243.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,820.00
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)$1,562.25
Prepaid interest, first (30 days)$742.45
Fees + prepaids$12,349.70
Your down payment is the seller’s equity. You take over the $301,107 balance, so the rest of the $382,000 price is paid at closing. A second mortgage can cover part of it. $93,243.12 is due at closing. Uses and sources reconcile at $394,349.70 each. Not a Closing Disclosure.