Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$76,663Cash toward the purchase price.
Closing costs + prepaids$12,301Not just lender fees.
Before credits & paid funds$88,964The complete starting cash picture.
Estimated remaining funds due at closing
$88,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,662.92
Your down payment$76,662.92
Closing costs + prepaids$12,301.49
Total buyer cash needed$88,964.42
Remaining funds due$88,964.42
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)$340.75
Initial HOA (3 months)$176.76
Prepaid interest, first (29 days)$1,659.98
Fees + prepaids$12,301.49
Your down payment is the seller’s equity. You take over the $313,237 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $88,964.42 is due at closing. Uses and sources reconcile at $402,201.49 each. Not a Closing Disclosure.