Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$84,271Cash toward the purchase price.
Closing costs + prepaids$12,223Not just lender fees.
Before credits & paid funds$96,494The complete starting cash picture.
Estimated remaining funds due at closing
$96,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,271.19
Your down payment$84,271.19
Closing costs + prepaids$12,223.09
Total buyer cash needed$96,494.27
Remaining funds due$96,494.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.99
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)$267.25
Initial HOA (3 months)$615.00
Prepaid interest, first (31 days)$1,565.85
Fees + prepaids$12,223.09
Your down payment is the seller’s equity. You take over the $270,728 balance, so the rest of the $354,999 price is paid at closing. A second mortgage can cover part of it. $96,494.27 is due at closing. Uses and sources reconcile at $367,222.09 each. Not a Closing Disclosure.