Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$130,723Cash toward the purchase price.
Closing costs + prepaids$11,896Not just lender fees.
Before credits & paid funds$142,619The complete starting cash picture.
Estimated remaining funds due at closing
$142,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,723.27
Your down payment$130,723.27
Closing costs + prepaids$11,896.00
Total buyer cash needed$142,619.27
Remaining funds due$142,619.27
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)$1,184.25
Prepaid interest, first (28 days)$586.75
Fees + prepaids$11,896.00
Your down payment is the seller’s equity. You take over the $259,277 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $142,619.27 is due at closing. Uses and sources reconcile at $401,896.00 each. Not a Closing Disclosure.