Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$150,085Cash toward the purchase price.
Closing costs + prepaids$11,299Not just lender fees.
Before credits & paid funds$161,384The complete starting cash picture.
Estimated remaining funds due at closing
$161,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,084.88
Your down payment$150,084.88
Closing costs + prepaids$11,299.14
Total buyer cash needed$161,384.02
Remaining funds due$161,384.02
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)$464.00
Initial HOA (3 months)$252.00
Prepaid interest, first (24 days)$468.14
Fees + prepaids$11,299.14
Your down payment is the seller’s equity. You take over the $238,915 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $161,384.02 is due at closing. Uses and sources reconcile at $400,299.14 each. Not a Closing Disclosure.