Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$90,167Cash toward the purchase price.
Closing costs + prepaids$10,159Not just lender fees.
Before credits & paid funds$100,325The complete starting cash picture.
Estimated remaining funds due at closing
$100,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,166.53
Your down payment$90,166.53
Closing costs + prepaids$10,158.71
Total buyer cash needed$100,325.23
Remaining funds due$100,325.23
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)$186.25
Prepaid interest, first (1 days)$47.46
Fees + prepaids$10,158.71
Your down payment is the seller’s equity. You take over the $279,833 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $100,325.23 is due at closing. Uses and sources reconcile at $380,158.71 each. Not a Closing Disclosure.