Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$60,018Cash toward the purchase price.
Closing costs + prepaids$11,302Not just lender fees.
Before credits & paid funds$71,320The complete starting cash picture.
Estimated remaining funds due at closing
$71,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,018.03
Your down payment$60,018.03
Closing costs + prepaids$11,302.26
Total buyer cash needed$71,320.29
Remaining funds due$71,320.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$209.50
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$892.76
Fees + prepaids$11,302.26
Your down payment is the seller’s equity. You take over the $329,982 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $71,320.29 is due at closing. Uses and sources reconcile at $401,302.26 each. Not a Closing Disclosure.