Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$53,654Cash toward the purchase price.
Closing costs + prepaids$11,184Not just lender fees.
Before credits & paid funds$64,839The complete starting cash picture.
Estimated remaining funds due at closing
$64,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,654.25
Your down payment$53,654.25
Closing costs + prepaids$11,184.35
Total buyer cash needed$64,838.59
Remaining funds due$64,838.59
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)$468.00
Prepaid interest, first (10 days)$592.35
Fees + prepaids$11,184.35
Your down payment is the seller’s equity. You take over the $336,246 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $64,838.59 is due at closing. Uses and sources reconcile at $401,084.35 each. Not a Closing Disclosure.