Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$85,521Cash toward the purchase price.
Closing costs + prepaids$11,940Not just lender fees.
Before credits & paid funds$97,460The complete starting cash picture.
Estimated remaining funds due at closing
$97,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,520.73
Your down payment$85,520.73
Closing costs + prepaids$11,939.54
Total buyer cash needed$97,460.27
Remaining funds due$97,460.27
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)$388.50
Initial HOA (3 months)$291.00
Prepaid interest, first (19 days)$1,136.04
Fees + prepaids$11,939.54
Your down payment is the seller’s equity. You take over the $304,379 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $97,460.27 is due at closing. Uses and sources reconcile at $401,839.54 each. Not a Closing Disclosure.