Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$70,968Cash toward the purchase price.
Closing costs + prepaids$12,001Not just lender fees.
Before credits & paid funds$82,969The complete starting cash picture.
Estimated remaining funds due at closing
$82,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,968.34
Your down payment$70,968.34
Closing costs + prepaids$12,000.99
Total buyer cash needed$82,969.34
Remaining funds due$82,969.34
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)$343.50
Prepaid interest, first (27 days)$1,533.49
Fees + prepaids$12,000.99
Your down payment is the seller’s equity. You take over the $318,932 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $82,969.34 is due at closing. Uses and sources reconcile at $401,900.99 each. Not a Closing Disclosure.