Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$114,319Cash toward the purchase price.
Closing costs + prepaids$10,847Not just lender fees.
Before credits & paid funds$125,165The complete starting cash picture.
Estimated remaining funds due at closing
$125,165No 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$10,846.78
Total buyer cash needed$125,165.28
Remaining funds due$125,165.28
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)$468.00
Prepaid interest, first (12 days)$253.78
Fees + prepaids$10,846.78
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. $125,165.28 is due at closing. Uses and sources reconcile at $400,846.78 each. Not a Closing Disclosure.