Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$222,609Cash toward the purchase price.
Closing costs + prepaids$11,265Not just lender fees.
Before credits & paid funds$233,874The complete starting cash picture.
Estimated remaining funds due at closing
$233,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,609.04
Your down payment$222,609.04
Closing costs + prepaids$11,265.09
Total buyer cash needed$233,874.13
Remaining funds due$233,874.13
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)$710.00
Initial HOA (3 months)$81.00
Prepaid interest, first (22 days)$349.09
Fees + prepaids$11,265.09
Your down payment is the seller’s equity. You take over the $167,391 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $233,874.13 is due at closing. Uses and sources reconcile at $401,265.09 each. Not a Closing Disclosure.