Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$81,131Cash toward the purchase price.
Closing costs + prepaids$12,222Not just lender fees.
Before credits & paid funds$93,353The complete starting cash picture.
Estimated remaining funds due at closing
$93,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,130.54
Your down payment$81,130.54
Closing costs + prepaids$12,222.42
Total buyer cash needed$93,352.97
Remaining funds due$93,352.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,920.00
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)$736.00
Prepaid interest, first (25 days)$1,341.42
Fees + prepaids$12,222.42
Your down payment is the seller’s equity. You take over the $310,869 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $93,352.97 is due at closing. Uses and sources reconcile at $404,222.42 each. Not a Closing Disclosure.