Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$90,511Cash toward the purchase price.
Closing costs + prepaids$11,780Not just lender fees.
Before credits & paid funds$102,290The complete starting cash picture.
Estimated remaining funds due at closing
$102,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,510.78
Your down payment$90,510.78
Closing costs + prepaids$11,779.68
Total buyer cash needed$102,290.46
Remaining funds due$102,290.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,930.00
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)$555.25
Initial HOA (3 months)$336.00
Prepaid interest, first (30 days)$733.43
Fees + prepaids$11,779.68
Your down payment is the seller’s equity. You take over the $302,489 balance, so the rest of the $393,000 price is paid at closing. A second mortgage can cover part of it. $102,290.46 is due at closing. Uses and sources reconcile at $404,779.68 each. Not a Closing Disclosure.