Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$84,702Cash toward the purchase price.
Closing costs + prepaids$10,736Not just lender fees.
Before credits & paid funds$95,439The complete starting cash picture.
Estimated remaining funds due at closing
$95,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,702.22
Your down payment$84,702.22
Closing costs + prepaids$10,736.32
Total buyer cash needed$95,438.53
Remaining funds due$95,438.53
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)$234.50
Prepaid interest, first (31 days)$677.82
Fees + prepaids$10,736.32
Your down payment is the seller’s equity. You take over the $275,198 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $95,438.53 is due at closing. Uses and sources reconcile at $370,636.32 each. Not a Closing Disclosure.