Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$71,128Cash toward the purchase price.
Closing costs + prepaids$12,339Not just lender fees.
Before credits & paid funds$83,467The complete starting cash picture.
Estimated remaining funds due at closing
$83,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,127.89
Your down payment$71,127.89
Closing costs + prepaids$12,338.77
Total buyer cash needed$83,466.67
Remaining funds due$83,466.67
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)$326.75
Prepaid interest, first (30 days)$1,887.02
Fees + prepaids$12,338.77
Your down payment is the seller’s equity. You take over the $318,872 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $83,466.67 is due at closing. Uses and sources reconcile at $402,338.77 each. Not a Closing Disclosure.