Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$114,319Cash toward the purchase price.
Closing costs + prepaids$10,720Not just lender fees.
Before credits & paid funds$125,038The complete starting cash picture.
Estimated remaining funds due at closing
$125,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,318.51
Your down payment$114,318.51
Closing costs + prepaids$10,719.89
Total buyer cash needed$125,038.39
Remaining funds due$125,038.39
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
Prepaid interest, first (6 days)$126.89
Fees + prepaids$10,719.89
Your down payment is the seller’s equity. You take over the $275,681 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $125,038.39 is due at closing. Uses and sources reconcile at $400,719.89 each. Not a Closing Disclosure.