Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$80,957Cash toward the purchase price.
Closing costs + prepaids$11,287Not just lender fees.
Before credits & paid funds$92,243The complete starting cash picture.
Estimated remaining funds due at closing
$92,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,956.58
Your down payment$80,956.58
Closing costs + prepaids$11,286.62
Total buyer cash needed$92,243.20
Remaining funds due$92,243.20
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)$468.00
Initial HOA (3 months)$84.00
Prepaid interest, first (10 days)$609.62
Fees + prepaids$11,286.62
Your down payment is the seller’s equity. You take over the $309,043 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $92,243.20 is due at closing. Uses and sources reconcile at $401,286.62 each. Not a Closing Disclosure.