Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$136,921Cash toward the purchase price.
Closing costs + prepaids$12,700Not just lender fees.
Before credits & paid funds$149,622The complete starting cash picture.
Estimated remaining funds due at closing
$149,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,921.49
Your down payment$136,921.49
Closing costs + prepaids$12,700.50
Total buyer cash needed$149,621.99
Remaining funds due$149,621.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.90
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)$1,572.50
Initial HOA (3 months)$420.00
Prepaid interest, first (29 days)$583.10
Fees + prepaids$12,700.50
Your down payment is the seller’s equity. You take over the $253,069 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $149,621.99 is due at closing. Uses and sources reconcile at $402,690.50 each. Not a Closing Disclosure.