Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$74,694Cash toward the purchase price.
Closing costs + prepaids$12,051Not just lender fees.
Before credits & paid funds$86,745The complete starting cash picture.
Estimated remaining funds due at closing
$86,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,694.18
Your down payment$74,694.18
Closing costs + prepaids$12,050.58
Total buyer cash needed$86,744.77
Remaining funds due$86,744.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$532.25
Prepaid interest, first (27 days)$1,394.33
Fees + prepaids$12,050.58
Your down payment is the seller’s equity. You take over the $315,206 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $86,744.77 is due at closing. Uses and sources reconcile at $401,950.58 each. Not a Closing Disclosure.