Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$75,936Cash toward the purchase price.
Closing costs + prepaids$10,612Not just lender fees.
Before credits & paid funds$86,548The complete starting cash picture.
Estimated remaining funds due at closing
$86,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,936.02
Your down payment$75,936.02
Closing costs + prepaids$10,612.35
Total buyer cash needed$86,548.37
Remaining funds due$86,548.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$376.50
Initial HOA (3 months)$5.01
Prepaid interest, first (2 days)$105.84
Fees + prepaids$10,612.35
Your down payment is the seller’s equity. You take over the $314,064 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $86,548.37 is due at closing. Uses and sources reconcile at $400,612.35 each. Not a Closing Disclosure.