Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$70,333Cash toward the purchase price.
Closing costs + prepaids$11,573Not just lender fees.
Before credits & paid funds$81,905The complete starting cash picture.
Estimated remaining funds due at closing
$81,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,332.66
Your down payment$70,332.66
Closing costs + prepaids$11,572.75
Total buyer cash needed$81,905.41
Remaining funds due$81,905.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$427.50
Prepaid interest, first (20 days)$1,221.25
Fees + prepaids$11,572.75
Your down payment is the seller’s equity. You take over the $299,567 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $81,905.41 is due at closing. Uses and sources reconcile at $381,472.75 each. Not a Closing Disclosure.