Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$81,110Cash toward the purchase price.
Closing costs + prepaids$11,702Not just lender fees.
Before credits & paid funds$92,812The complete starting cash picture.
Estimated remaining funds due at closing
$92,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,110.12
Your down payment$81,110.12
Closing costs + prepaids$11,701.90
Total buyer cash needed$92,812.02
Remaining funds due$92,812.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$273.75
Initial HOA (3 months)$114.99
Prepaid interest, first (27 days)$1,098.16
Fees + prepaids$11,701.90
Your down payment is the seller’s equity. You take over the $317,890 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $92,812.02 is due at closing. Uses and sources reconcile at $410,701.90 each. Not a Closing Disclosure.