Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$62,441Cash toward the purchase price.
Closing costs + prepaids$11,729Not just lender fees.
Before credits & paid funds$74,170The complete starting cash picture.
Estimated remaining funds due at closing
$74,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,440.69
Your down payment$62,440.69
Closing costs + prepaids$11,729.35
Total buyer cash needed$74,170.04
Remaining funds due$74,170.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$241.50
Prepaid interest, first (22 days)$1,363.85
Fees + prepaids$11,729.35
Your down payment is the seller’s equity. You take over the $327,459 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $74,170.04 is due at closing. Uses and sources reconcile at $401,629.35 each. Not a Closing Disclosure.