Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$86,288Cash toward the purchase price.
Closing costs + prepaids$11,055Not just lender fees.
Before credits & paid funds$97,343The complete starting cash picture.
Estimated remaining funds due at closing
$97,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,287.69
Your down payment$86,287.69
Closing costs + prepaids$11,055.37
Total buyer cash needed$97,343.05
Remaining funds due$97,343.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$554.00
Prepaid interest, first (20 days)$476.38
Fees + prepaids$11,055.37
Your down payment is the seller’s equity. You take over the $293,711 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $97,343.05 is due at closing. Uses and sources reconcile at $391,054.37 each. Not a Closing Disclosure.