Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$82,507Cash toward the purchase price.
Closing costs + prepaids$11,549Not just lender fees.
Before credits & paid funds$94,056The complete starting cash picture.
Estimated remaining funds due at closing
$94,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,507.26
Your down payment$82,507.26
Closing costs + prepaids$11,548.69
Total buyer cash needed$94,055.95
Remaining funds due$94,055.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$402.75
Initial HOA (3 months)$237.00
Prepaid interest, first (31 days)$793.94
Fees + prepaids$11,548.69
Your down payment is the seller’s equity. You take over the $306,493 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $94,055.95 is due at closing. Uses and sources reconcile at $400,548.69 each. Not a Closing Disclosure.