Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$80,339Cash toward the purchase price.
Closing costs + prepaids$11,903Not just lender fees.
Before credits & paid funds$92,242The complete starting cash picture.
Estimated remaining funds due at closing
$92,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,339.20
Your down payment$80,339.20
Closing costs + prepaids$11,903.06
Total buyer cash needed$92,242.26
Remaining funds due$92,242.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,819.99
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)$186.50
Initial HOA (3 months)$6.24
Prepaid interest, first (31 days)$1,665.33
Fees + prepaids$11,903.06
Your down payment is the seller’s equity. You take over the $301,660 balance, so the rest of the $381,999 price is paid at closing. A second mortgage can cover part of it. $92,242.26 is due at closing. Uses and sources reconcile at $393,902.06 each. Not a Closing Disclosure.