Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$167,224Cash toward the purchase price.
Closing costs + prepaids$11,580Not just lender fees.
Before credits & paid funds$178,803The complete starting cash picture.
Estimated remaining funds due at closing
$178,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,223.64
Your down payment$167,223.64
Closing costs + prepaids$11,579.62
Total buyer cash needed$178,803.26
Remaining funds due$178,803.26
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)$828.25
Initial HOA (3 months)$118.26
Prepaid interest, first (25 days)$508.11
Fees + prepaids$11,579.62
Your down payment is the seller’s equity. You take over the $222,776 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $178,803.26 is due at closing. Uses and sources reconcile at $401,579.62 each. Not a Closing Disclosure.