Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$87,219Cash toward the purchase price.
Closing costs + prepaids$10,847Not just lender fees.
Before credits & paid funds$98,066The complete starting cash picture.
Estimated remaining funds due at closing
$98,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,219.42
Your down payment$87,219.42
Closing costs + prepaids$10,846.60
Total buyer cash needed$98,066.03
Remaining funds due$98,066.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$541.75
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$80.85
Fees + prepaids$10,846.60
Your down payment is the seller’s equity. You take over the $282,681 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $98,066.03 is due at closing. Uses and sources reconcile at $380,746.60 each. Not a Closing Disclosure.