Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$65,286Cash toward the purchase price.
Closing costs + prepaids$12,580Not just lender fees.
Before credits & paid funds$77,867The complete starting cash picture.
Estimated remaining funds due at closing
$77,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,286.24
Your down payment$65,286.24
Closing costs + prepaids$12,580.28
Total buyer cash needed$77,866.52
Remaining funds due$77,866.52
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)$769.00
Prepaid interest, first (31 days)$1,687.28
Fees + prepaids$12,580.28
Your down payment is the seller’s equity. You take over the $324,614 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $77,866.52 is due at closing. Uses and sources reconcile at $402,480.28 each. Not a Closing Disclosure.