Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$90,452Cash toward the purchase price.
Closing costs + prepaids$11,486Not just lender fees.
Before credits & paid funds$101,938The complete starting cash picture.
Estimated remaining funds due at closing
$101,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,452.12
Your down payment$90,452.12
Closing costs + prepaids$11,486.09
Total buyer cash needed$101,938.21
Remaining funds due$101,938.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$186.25
Prepaid interest, first (29 days)$1,374.84
Fees + prepaids$11,486.09
Your down payment is the seller’s equity. You take over the $279,548 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $101,938.21 is due at closing. Uses and sources reconcile at $381,486.09 each. Not a Closing Disclosure.