Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$104,321Cash toward the purchase price.
Closing costs + prepaids$11,803Not just lender fees.
Before credits & paid funds$116,124The complete starting cash picture.
Estimated remaining funds due at closing
$116,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,320.59
Your down payment$104,320.59
Closing costs + prepaids$11,803.27
Total buyer cash needed$116,123.87
Remaining funds due$116,123.87
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)$1,135.50
Prepaid interest, first (25 days)$543.77
Fees + prepaids$11,803.27
Your down payment is the seller’s equity. You take over the $285,579 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $116,123.87 is due at closing. Uses and sources reconcile at $401,703.27 each. Not a Closing Disclosure.