Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$75,293Cash toward the purchase price.
Closing costs + prepaids$11,222Not just lender fees.
Before credits & paid funds$86,516The complete starting cash picture.
Estimated remaining funds due at closing
$86,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,293.35
Your down payment$75,293.35
Closing costs + prepaids$11,222.26
Total buyer cash needed$86,515.61
Remaining funds due$86,515.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$462.00
Prepaid interest, first (12 days)$685.26
Fees + prepaids$11,222.26
Your down payment is the seller’s equity. You take over the $309,707 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $86,515.61 is due at closing. Uses and sources reconcile at $396,222.26 each. Not a Closing Disclosure.