Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$78,009Cash toward the purchase price.
Closing costs + prepaids$11,756Not just lender fees.
Before credits & paid funds$89,765The complete starting cash picture.
Estimated remaining funds due at closing
$89,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,008.68
Your down payment$78,008.68
Closing costs + prepaids$11,756.47
Total buyer cash needed$89,765.15
Remaining funds due$89,765.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.90
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)$1,030.00
Prepaid interest, first (30 days)$901.57
Fees + prepaids$11,756.47
Your down payment is the seller’s equity. You take over the $281,981 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $89,765.15 is due at closing. Uses and sources reconcile at $371,746.47 each. Not a Closing Disclosure.