Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$99,457Cash toward the purchase price.
Closing costs + prepaids$11,915Not just lender fees.
Before credits & paid funds$111,371The complete starting cash picture.
Estimated remaining funds due at closing
$111,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,456.53
Your down payment$99,456.53
Closing costs + prepaids$11,914.73
Total buyer cash needed$111,371.26
Remaining funds due$111,371.26
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)$365.25
Prepaid interest, first (26 days)$1,425.48
Fees + prepaids$11,914.73
Your down payment is the seller’s equity. You take over the $290,443 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $111,371.26 is due at closing. Uses and sources reconcile at $401,814.73 each. Not a Closing Disclosure.