Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$269,534Cash toward the purchase price.
Closing costs + prepaids$11,245Not just lender fees.
Before credits & paid funds$280,778The complete starting cash picture.
Estimated remaining funds due at closing
$280,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,533.65
Your down payment$269,533.65
Closing costs + prepaids$11,244.50
Total buyer cash needed$280,778.15
Remaining funds due$280,778.15
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)$493.50
Initial HOA (3 months)$345.00
Prepaid interest, first (22 days)$281.00
Fees + prepaids$11,244.50
Your down payment is the seller’s equity. You take over the $120,466 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $280,778.15 is due at closing. Uses and sources reconcile at $401,244.50 each. Not a Closing Disclosure.