Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$71,242Cash toward the purchase price.
Closing costs + prepaids$12,392Not just lender fees.
Before credits & paid funds$83,634The complete starting cash picture.
Estimated remaining funds due at closing
$83,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,241.97
Your down payment$71,241.97
Closing costs + prepaids$12,391.81
Total buyer cash needed$83,633.78
Remaining funds due$83,633.78
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)$1,503.75
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$613.06
Fees + prepaids$12,391.81
Your down payment is the seller’s equity. You take over the $318,758 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $83,633.78 is due at closing. Uses and sources reconcile at $402,391.81 each. Not a Closing Disclosure.