Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$78,565Cash toward the purchase price.
Closing costs + prepaids$11,865Not just lender fees.
Before credits & paid funds$90,431The complete starting cash picture.
Estimated remaining funds due at closing
$90,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,565.07
Your down payment$78,565.07
Closing costs + prepaids$11,865.46
Total buyer cash needed$90,430.52
Remaining funds due$90,430.52
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)$389.75
Prepaid interest, first (23 days)$1,351.71
Fees + prepaids$11,865.46
Your down payment is the seller’s equity. You take over the $311,335 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $90,430.52 is due at closing. Uses and sources reconcile at $401,765.46 each. Not a Closing Disclosure.