Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$80,111Cash toward the purchase price.
Closing costs + prepaids$11,215Not just lender fees.
Before credits & paid funds$91,327The complete starting cash picture.
Estimated remaining funds due at closing
$91,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,111.37
Your down payment$80,111.37
Closing costs + prepaids$11,215.36
Total buyer cash needed$91,326.73
Remaining funds due$91,326.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$456.25
Prepaid interest, first (16 days)$885.11
Fees + prepaids$11,215.36
Your down payment is the seller’s equity. You take over the $284,789 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $91,326.73 is due at closing. Uses and sources reconcile at $376,115.36 each. Not a Closing Disclosure.