Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$130,528Cash toward the purchase price.
Closing costs + prepaids$11,774Not just lender fees.
Before credits & paid funds$142,302The complete starting cash picture.
Estimated remaining funds due at closing
$142,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,527.55
Your down payment$130,527.55
Closing costs + prepaids$11,774.36
Total buyer cash needed$142,301.91
Remaining funds due$142,301.91
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)$1,082.00
Initial HOA (3 months)$10.74
Prepaid interest, first (27 days)$556.62
Fees + prepaids$11,774.36
Your down payment is the seller’s equity. You take over the $259,472 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $142,301.91 is due at closing. Uses and sources reconcile at $401,774.36 each. Not a Closing Disclosure.