Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$70,699Cash toward the purchase price.
Closing costs + prepaids$11,933Not just lender fees.
Before credits & paid funds$82,632The complete starting cash picture.
Estimated remaining funds due at closing
$82,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,698.64
Your down payment$70,698.64
Closing costs + prepaids$11,933.08
Total buyer cash needed$82,631.72
Remaining funds due$82,631.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$728.25
Initial HOA (3 months)$537.00
Prepaid interest, first (30 days)$843.83
Fees + prepaids$11,933.08
Your down payment is the seller’s equity. You take over the $289,201 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $82,631.72 is due at closing. Uses and sources reconcile at $371,833.08 each. Not a Closing Disclosure.