Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$80,928Cash toward the purchase price.
Closing costs + prepaids$13,304Not just lender fees.
Before credits & paid funds$94,232The complete starting cash picture.
Estimated remaining funds due at closing
$94,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,928.24
Your down payment$80,928.24
Closing costs + prepaids$13,303.88
Total buyer cash needed$94,232.12
Remaining funds due$94,232.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$2,082.75
Initial HOA (3 months)$75.00
Prepaid interest, first (18 days)$971.13
Fees + prepaids$13,303.88
Your down payment is the seller’s equity. You take over the $314,072 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $94,232.12 is due at closing. Uses and sources reconcile at $408,303.88 each. Not a Closing Disclosure.