Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$78,042Cash toward the purchase price.
Closing costs + prepaids$11,949Not just lender fees.
Before credits & paid funds$89,991The complete starting cash picture.
Estimated remaining funds due at closing
$89,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,041.92
Your down payment$78,041.92
Closing costs + prepaids$11,948.67
Total buyer cash needed$89,990.59
Remaining funds due$89,990.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$958.00
Initial HOA (3 months)$123.75
Prepaid interest, first (28 days)$851.92
Fees + prepaids$11,948.67
Your down payment is the seller’s equity. You take over the $300,958 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $89,990.59 is due at closing. Uses and sources reconcile at $390,948.67 each. Not a Closing Disclosure.