Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$89,599Cash toward the purchase price.
Closing costs + prepaids$10,549Not just lender fees.
Before credits & paid funds$100,148The complete starting cash picture.
Estimated remaining funds due at closing
$100,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,598.70
Your down payment$89,598.70
Closing costs + prepaids$10,548.80
Total buyer cash needed$100,147.50
Remaining funds due$100,147.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$276.50
Prepaid interest, first (1 days)$57.30
Fees + prepaids$10,548.80
Your down payment is the seller’s equity. You take over the $309,401 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $100,147.50 is due at closing. Uses and sources reconcile at $409,548.80 each. Not a Closing Disclosure.