Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$80,097Cash toward the purchase price.
Closing costs + prepaids$11,130Not just lender fees.
Before credits & paid funds$91,228The complete starting cash picture.
Estimated remaining funds due at closing
$91,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,097.14
Your down payment$80,097.14
Closing costs + prepaids$11,130.40
Total buyer cash needed$91,227.54
Remaining funds due$91,227.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$346.50
Initial HOA (3 months)$186.00
Prepaid interest, first (18 days)$482.90
Fees + prepaids$11,130.40
Your down payment is the seller’s equity. You take over the $308,903 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $91,227.54 is due at closing. Uses and sources reconcile at $400,130.40 each. Not a Closing Disclosure.