Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$75,246Cash toward the purchase price.
Closing costs + prepaids$11,142Not just lender fees.
Before credits & paid funds$86,388The complete starting cash picture.
Estimated remaining funds due at closing
$86,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,245.95
Your down payment$75,245.95
Closing costs + prepaids$11,141.70
Total buyer cash needed$86,387.64
Remaining funds due$86,387.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.99
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)$468.00
Prepaid interest, first (9 days)$548.71
Fees + prepaids$11,141.70
Your down payment is the seller’s equity. You take over the $314,753 balance, so the rest of the $389,999 price is paid at closing. A second mortgage can cover part of it. $86,387.64 is due at closing. Uses and sources reconcile at $401,140.70 each. Not a Closing Disclosure.