Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$62,441Cash toward the purchase price.
Closing costs + prepaids$12,163Not just lender fees.
Before credits & paid funds$74,604The complete starting cash picture.
Estimated remaining funds due at closing
$74,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,440.69
Your down payment$62,440.69
Closing costs + prepaids$12,163.30
Total buyer cash needed$74,603.99
Remaining funds due$74,603.99
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)$241.50
Prepaid interest, first (29 days)$1,797.80
Fees + prepaids$12,163.30
Your down payment is the seller’s equity. You take over the $327,459 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $74,603.99 is due at closing. Uses and sources reconcile at $402,063.30 each. Not a Closing Disclosure.