Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$80,957Cash toward the purchase price.
Closing costs + prepaids$11,866Not just lender fees.
Before credits & paid funds$92,822The complete starting cash picture.
Estimated remaining funds due at closing
$92,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,956.58
Your down payment$80,956.58
Closing costs + prepaids$11,865.70
Total buyer cash needed$92,822.28
Remaining funds due$92,822.28
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)$376.50
Initial HOA (3 months)$84.00
Prepaid interest, first (21 days)$1,280.20
Fees + prepaids$11,865.70
Your down payment is the seller’s equity. You take over the $309,043 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $92,822.28 is due at closing. Uses and sources reconcile at $401,865.70 each. Not a Closing Disclosure.