Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$101,122Cash toward the purchase price.
Closing costs + prepaids$13,160Not just lender fees.
Before credits & paid funds$114,281The complete starting cash picture.
Estimated remaining funds due at closing
$114,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,121.75
Your down payment$101,121.75
Closing costs + prepaids$13,159.66
Total buyer cash needed$114,281.42
Remaining funds due$114,281.42
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)$1,253.50
Initial HOA (3 months)$249.00
Prepaid interest, first (27 days)$1,532.16
Fees + prepaids$13,159.66
Your down payment is the seller’s equity. You take over the $288,878 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $114,281.42 is due at closing. Uses and sources reconcile at $403,159.66 each. Not a Closing Disclosure.