Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$86,629Cash toward the purchase price.
Closing costs + prepaids$11,100Not just lender fees.
Before credits & paid funds$97,728The complete starting cash picture.
Estimated remaining funds due at closing
$97,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,628.90
Your down payment$86,628.90
Closing costs + prepaids$11,099.52
Total buyer cash needed$97,728.41
Remaining funds due$97,728.41
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)$313.50
Prepaid interest, first (30 days)$671.02
Fees + prepaids$11,099.52
Your down payment is the seller’s equity. You take over the $302,371 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $97,728.41 is due at closing. Uses and sources reconcile at $400,099.52 each. Not a Closing Disclosure.