Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$168,261Cash toward the purchase price.
Closing costs + prepaids$12,765Not just lender fees.
Before credits & paid funds$181,027The complete starting cash picture.
Estimated remaining funds due at closing
$181,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,261.39
Your down payment$168,261.39
Closing costs + prepaids$12,765.40
Total buyer cash needed$181,026.79
Remaining funds due$181,026.79
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)$1,979.50
Initial HOA (3 months)$21.99
Prepaid interest, first (29 days)$648.91
Fees + prepaids$12,765.40
Your down payment is the seller’s equity. You take over the $220,739 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $181,026.79 is due at closing. Uses and sources reconcile at $401,765.40 each. Not a Closing Disclosure.