Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$89,841Cash toward the purchase price.
Closing costs + prepaids$11,237Not just lender fees.
Before credits & paid funds$101,077The complete starting cash picture.
Estimated remaining funds due at closing
$101,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,840.60
Your down payment$89,840.60
Closing costs + prepaids$11,236.62
Total buyer cash needed$101,077.22
Remaining funds due$101,077.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$480.00
Prepaid interest, first (10 days)$532.62
Fees + prepaids$11,236.62
Your down payment is the seller’s equity. You take over the $310,059 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $101,077.22 is due at closing. Uses and sources reconcile at $411,136.62 each. Not a Closing Disclosure.