Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$248,587Cash toward the purchase price.
Closing costs + prepaids$12,161Not just lender fees.
Before credits & paid funds$260,748The complete starting cash picture.
Estimated remaining funds due at closing
$260,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,586.99
Your down payment$248,586.99
Closing costs + prepaids$12,161.44
Total buyer cash needed$260,748.43
Remaining funds due$260,748.43
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)$1,465.00
Initial HOA (3 months)$246.00
Prepaid interest, first (24 days)$325.44
Fees + prepaids$12,161.44
Your down payment is the seller’s equity. You take over the $141,413 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $260,748.43 is due at closing. Uses and sources reconcile at $402,161.44 each. Not a Closing Disclosure.