Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$86,643Cash toward the purchase price.
Closing costs + prepaids$10,989Not just lender fees.
Before credits & paid funds$97,632The complete starting cash picture.
Estimated remaining funds due at closing
$97,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,642.85
Your down payment$86,642.85
Closing costs + prepaids$10,988.74
Total buyer cash needed$97,631.59
Remaining funds due$97,631.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$287.50
Prepaid interest, first (18 days)$876.24
Fees + prepaids$10,988.74
Your down payment is the seller’s equity. You take over the $273,357 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $97,631.59 is due at closing. Uses and sources reconcile at $370,988.74 each. Not a Closing Disclosure.