Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$80,772Cash toward the purchase price.
Closing costs + prepaids$11,310Not just lender fees.
Before credits & paid funds$92,083The complete starting cash picture.
Estimated remaining funds due at closing
$92,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,772.47
Your down payment$80,772.47
Closing costs + prepaids$11,310.05
Total buyer cash needed$92,082.53
Remaining funds due$92,082.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$468.75
Initial HOA (3 months)$90.00
Prepaid interest, first (14 days)$777.30
Fees + prepaids$11,310.05
Your down payment is the seller’s equity. You take over the $294,128 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $92,082.53 is due at closing. Uses and sources reconcile at $386,210.05 each. Not a Closing Disclosure.