Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$75,896Cash toward the purchase price.
Closing costs + prepaids$12,877Not just lender fees.
Before credits & paid funds$88,772The complete starting cash picture.
Estimated remaining funds due at closing
$88,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,895.58
Your down payment$75,895.58
Closing costs + prepaids$12,876.77
Total buyer cash needed$88,772.35
Remaining funds due$88,772.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$1,239.25
Initial HOA (3 months)$690.00
Prepaid interest, first (25 days)$732.52
Fees + prepaids$12,876.77
Your down payment is the seller’s equity. You take over the $323,104 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $88,772.35 is due at closing. Uses and sources reconcile at $411,876.77 each. Not a Closing Disclosure.