Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$70,968Cash toward the purchase price.
Closing costs + prepaids$12,228Not just lender fees.
Before credits & paid funds$83,197The complete starting cash picture.
Estimated remaining funds due at closing
$83,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,968.34
Your down payment$70,968.34
Closing costs + prepaids$12,228.18
Total buyer cash needed$83,196.52
Remaining funds due$83,196.52
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)$343.50
Prepaid interest, first (31 days)$1,760.68
Fees + prepaids$12,228.18
Your down payment is the seller’s equity. You take over the $318,932 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $83,196.52 is due at closing. Uses and sources reconcile at $402,128.18 each. Not a Closing Disclosure.