Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$99,457Cash toward the purchase price.
Closing costs + prepaids$11,531Not just lender fees.
Before credits & paid funds$110,987The complete starting cash picture.
Estimated remaining funds due at closing
$110,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,456.53
Your down payment$99,456.53
Closing costs + prepaids$11,530.95
Total buyer cash needed$110,987.47
Remaining funds due$110,987.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$365.25
Prepaid interest, first (19 days)$1,041.70
Fees + prepaids$11,530.95
Your down payment is the seller’s equity. You take over the $290,443 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $110,987.47 is due at closing. Uses and sources reconcile at $401,430.95 each. Not a Closing Disclosure.