Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$74,795Cash toward the purchase price.
Closing costs + prepaids$12,308Not just lender fees.
Before credits & paid funds$87,103The complete starting cash picture.
Estimated remaining funds due at closing
$87,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,795.33
Your down payment$74,795.33
Closing costs + prepaids$12,307.88
Total buyer cash needed$87,103.21
Remaining funds due$87,103.21
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)$754.25
Initial HOA (3 months)$115.74
Prepaid interest, first (23 days)$1,312.89
Fees + prepaids$12,307.88
Your down payment is the seller’s equity. You take over the $315,205 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $87,103.21 is due at closing. Uses and sources reconcile at $402,307.88 each. Not a Closing Disclosure.