Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$162,511Cash toward the purchase price.
Closing costs + prepaids$11,609Not just lender fees.
Before credits & paid funds$174,120The complete starting cash picture.
Estimated remaining funds due at closing
$174,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,510.97
Your down payment$162,510.97
Closing costs + prepaids$11,609.12
Total buyer cash needed$174,120.09
Remaining funds due$174,120.09
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)$826.50
Initial HOA (3 months)$141.00
Prepaid interest, first (27 days)$516.62
Fees + prepaids$11,609.12
Your down payment is the seller’s equity. You take over the $227,489 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $174,120.09 is due at closing. Uses and sources reconcile at $401,609.12 each. Not a Closing Disclosure.