Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$77,381Cash toward the purchase price.
Closing costs + prepaids$12,032Not just lender fees.
Before credits & paid funds$89,413The complete starting cash picture.
Estimated remaining funds due at closing
$89,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,380.90
Your down payment$77,380.90
Closing costs + prepaids$12,031.79
Total buyer cash needed$89,412.69
Remaining funds due$89,412.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,780.00
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)$827.25
Initial HOA (3 months)$483.00
Prepaid interest, first (30 days)$716.54
Fees + prepaids$12,031.79
Your down payment is the seller’s equity. You take over the $300,619 balance, so the rest of the $378,000 price is paid at closing. A second mortgage can cover part of it. $89,412.69 is due at closing. Uses and sources reconcile at $390,031.79 each. Not a Closing Disclosure.