Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$48,081Cash toward the purchase price.
Closing costs + prepaids$11,821Not just lender fees.
Before credits & paid funds$59,902The complete starting cash picture.
Estimated remaining funds due at closing
$59,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,080.58
Your down payment$48,080.58
Closing costs + prepaids$11,821.42
Total buyer cash needed$59,902.00
Remaining funds due$59,902.00
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)$199.00
Prepaid interest, first (23 days)$1,497.42
Fees + prepaids$11,821.42
Your down payment is the seller’s equity. You take over the $341,919 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $59,902.00 is due at closing. Uses and sources reconcile at $401,821.42 each. Not a Closing Disclosure.