Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$148,378Cash toward the purchase price.
Closing costs + prepaids$11,879Not just lender fees.
Before credits & paid funds$160,257The complete starting cash picture.
Estimated remaining funds due at closing
$160,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,377.66
Your down payment$148,377.66
Closing costs + prepaids$11,878.87
Total buyer cash needed$160,256.53
Remaining funds due$160,256.53
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)$1,175.75
Initial HOA (3 months)$93.75
Prepaid interest, first (27 days)$484.37
Fees + prepaids$11,878.87
Your down payment is the seller’s equity. You take over the $241,622 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $160,256.53 is due at closing. Uses and sources reconcile at $401,878.87 each. Not a Closing Disclosure.