Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$223,957Cash toward the purchase price.
Closing costs + prepaids$11,498Not just lender fees.
Before credits & paid funds$235,455The complete starting cash picture.
Estimated remaining funds due at closing
$235,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,956.78
Your down payment$223,956.78
Closing costs + prepaids$11,497.80
Total buyer cash needed$235,454.59
Remaining funds due$235,454.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$710.25
Initial HOA (3 months)$204.00
Prepaid interest, first (24 days)$458.55
Fees + prepaids$11,497.80
Your down payment is the seller’s equity. You take over the $166,043 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $235,454.59 is due at closing. Uses and sources reconcile at $401,497.80 each. Not a Closing Disclosure.