Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$76,330Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$87,246The complete starting cash picture.
Estimated remaining funds due at closing
$87,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,330.39
Your down payment$76,330.39
Closing costs + prepaids$10,915.12
Total buyer cash needed$87,245.51
Remaining funds due$87,245.51
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)$5.01
Prepaid interest, first (6 days)$317.11
Fees + prepaids$10,915.12
Your down payment is the seller’s equity. You take over the $313,670 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $87,245.51 is due at closing. Uses and sources reconcile at $400,915.12 each. Not a Closing Disclosure.