Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$79,888Cash toward the purchase price.
Closing costs + prepaids$11,518Not just lender fees.
Before credits & paid funds$91,406The complete starting cash picture.
Estimated remaining funds due at closing
$91,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,888.42
Your down payment$79,888.42
Closing costs + prepaids$11,517.62
Total buyer cash needed$91,406.04
Remaining funds due$91,406.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$630.25
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$692.37
Fees + prepaids$11,517.62
Your down payment is the seller’s equity. You take over the $290,112 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $91,406.04 is due at closing. Uses and sources reconcile at $381,517.62 each. Not a Closing Disclosure.