Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$89,621Cash toward the purchase price.
Closing costs + prepaids$10,541Not just lender fees.
Before credits & paid funds$100,162The complete starting cash picture.
Estimated remaining funds due at closing
$100,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,620.71
Your down payment$89,620.71
Closing costs + prepaids$10,541.10
Total buyer cash needed$100,161.81
Remaining funds due$100,161.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$292.25
Initial HOA (3 months)$93.00
Prepaid interest, first (1 days)$40.85
Fees + prepaids$10,541.10
Your down payment is the seller’s equity. You take over the $299,379 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $100,161.81 is due at closing. Uses and sources reconcile at $399,541.10 each. Not a Closing Disclosure.