Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$96,070Cash toward the purchase price.
Closing costs + prepaids$12,756Not just lender fees.
Before credits & paid funds$108,826The complete starting cash picture.
Estimated remaining funds due at closing
$108,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,070.07
Your down payment$96,070.07
Closing costs + prepaids$12,755.72
Total buyer cash needed$108,825.79
Remaining funds due$108,825.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$972.50
Initial HOA (3 months)$666.00
Prepaid interest, first (28 days)$1,002.22
Fees + prepaids$12,755.72
Your down payment is the seller’s equity. You take over the $292,930 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $108,825.79 is due at closing. Uses and sources reconcile at $401,755.72 each. Not a Closing Disclosure.