Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$153,250Cash toward the purchase price.
Closing costs + prepaids$11,818Not just lender fees.
Before credits & paid funds$165,067The complete starting cash picture.
Estimated remaining funds due at closing
$165,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,249.59
Your down payment$153,249.59
Closing costs + prepaids$11,817.77
Total buyer cash needed$165,067.36
Remaining funds due$165,067.36
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)$1,260.00
Prepaid interest, first (24 days)$432.77
Fees + prepaids$11,817.77
Your down payment is the seller’s equity. You take over the $236,750 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $165,067.36 is due at closing. Uses and sources reconcile at $401,817.77 each. Not a Closing Disclosure.