Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$90,738Cash toward the purchase price.
Closing costs + prepaids$10,739Not just lender fees.
Before credits & paid funds$101,477The complete starting cash picture.
Estimated remaining funds due at closing
$101,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,737.80
Your down payment$90,737.80
Closing costs + prepaids$10,739.24
Total buyer cash needed$101,477.04
Remaining funds due$101,477.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$442.75
Prepaid interest, first (12 days)$381.49
Fees + prepaids$10,739.24
Your down payment is the seller’s equity. You take over the $278,262 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $101,477.04 is due at closing. Uses and sources reconcile at $379,739.24 each. Not a Closing Disclosure.