Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$71,558Cash toward the purchase price.
Closing costs + prepaids$12,892Not just lender fees.
Before credits & paid funds$84,449The complete starting cash picture.
Estimated remaining funds due at closing
$84,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,557.57
Your down payment$71,557.57
Closing costs + prepaids$12,891.74
Total buyer cash needed$84,449.31
Remaining funds due$84,449.31
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)$1,043.75
Prepaid interest, first (29 days)$1,722.99
Fees + prepaids$12,891.74
Your down payment is the seller’s equity. You take over the $318,442 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $84,449.31 is due at closing. Uses and sources reconcile at $402,891.74 each. Not a Closing Disclosure.