Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$87,040Cash toward the purchase price.
Closing costs + prepaids$10,681Not just lender fees.
Before credits & paid funds$97,721The complete starting cash picture.
Estimated remaining funds due at closing
$97,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,040.13
Your down payment$87,040.13
Closing costs + prepaids$10,681.09
Total buyer cash needed$97,721.22
Remaining funds due$97,721.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,695.00
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)$443.50
Prepaid interest, first (6 days)$317.59
Fees + prepaids$10,681.09
Your down payment is the seller’s equity. You take over the $282,460 balance, so the rest of the $369,500 price is paid at closing. A second mortgage can cover part of it. $97,721.22 is due at closing. Uses and sources reconcile at $380,181.09 each. Not a Closing Disclosure.