Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$79,801Cash toward the purchase price.
Closing costs + prepaids$13,154Not just lender fees.
Before credits & paid funds$92,955The complete starting cash picture.
Estimated remaining funds due at closing
$92,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,801.12
Your down payment$79,801.12
Closing costs + prepaids$13,153.62
Total buyer cash needed$92,954.73
Remaining funds due$92,954.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$1,459.75
Initial HOA (3 months)$41.49
Prepaid interest, first (26 days)$1,477.38
Fees + prepaids$13,153.62
Your down payment is the seller’s equity. You take over the $315,199 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $92,954.73 is due at closing. Uses and sources reconcile at $408,153.62 each. Not a Closing Disclosure.