Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$61,544Cash toward the purchase price.
Closing costs + prepaids$12,189Not just lender fees.
Before credits & paid funds$73,733The complete starting cash picture.
Estimated remaining funds due at closing
$73,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,543.77
Your down payment$61,543.77
Closing costs + prepaids$12,189.14
Total buyer cash needed$73,732.91
Remaining funds due$73,732.91
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)$293.00
Prepaid interest, first (26 days)$1,771.14
Fees + prepaids$12,189.14
Your down payment is the seller’s equity. You take over the $328,456 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $73,732.91 is due at closing. Uses and sources reconcile at $402,189.14 each. Not a Closing Disclosure.