Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$251,379Cash toward the purchase price.
Closing costs + prepaids$11,414Not just lender fees.
Before credits & paid funds$262,793The complete starting cash picture.
Estimated remaining funds due at closing
$262,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,378.96
Your down payment$251,378.96
Closing costs + prepaids$11,414.34
Total buyer cash needed$262,793.30
Remaining funds due$262,793.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$935.50
Prepaid interest, first (22 days)$354.84
Fees + prepaids$11,414.34
Your down payment is the seller’s equity. You take over the $138,521 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $262,793.30 is due at closing. Uses and sources reconcile at $401,314.34 each. Not a Closing Disclosure.