Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$142,821Cash toward the purchase price.
Closing costs + prepaids$12,300Not just lender fees.
Before credits & paid funds$155,121The complete starting cash picture.
Estimated remaining funds due at closing
$155,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,821.46
Your down payment$142,821.46
Closing costs + prepaids$12,299.57
Total buyer cash needed$155,121.04
Remaining funds due$155,121.04
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)$1,397.50
Initial HOA (3 months)$320.01
Prepaid interest, first (25 days)$467.06
Fees + prepaids$12,299.57
Your down payment is the seller’s equity. You take over the $246,179 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $155,121.04 is due at closing. Uses and sources reconcile at $401,299.57 each. Not a Closing Disclosure.