Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,344Cash toward the purchase price.
Closing costs + prepaids$12,027Not just lender fees.
Before credits & paid funds$89,371The complete starting cash picture.
Estimated remaining funds due at closing
$89,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,343.76
Your down payment$77,343.76
Closing costs + prepaids$12,027.34
Total buyer cash needed$89,371.10
Remaining funds due$89,371.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$492.00
Initial HOA (3 months)$174.00
Prepaid interest, first (31 days)$1,487.34
Fees + prepaids$12,027.34
Your down payment is the seller’s equity. You take over the $287,556 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $89,371.10 is due at closing. Uses and sources reconcile at $376,927.34 each. Not a Closing Disclosure.