Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$74,544Cash toward the purchase price.
Closing costs + prepaids$12,102Not just lender fees.
Before credits & paid funds$86,646The complete starting cash picture.
Estimated remaining funds due at closing
$86,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,543.88
Your down payment$74,543.88
Closing costs + prepaids$12,101.65
Total buyer cash needed$86,645.53
Remaining funds due$86,645.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,910.00
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)$575.00
Initial HOA (3 months)$66.00
Prepaid interest, first (22 days)$1,325.65
Fees + prepaids$12,101.65
Your down payment is the seller’s equity. You take over the $316,456 balance, so the rest of the $391,000 price is paid at closing. A second mortgage can cover part of it. $86,645.53 is due at closing. Uses and sources reconcile at $403,101.65 each. Not a Closing Disclosure.