Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,457Cash toward the purchase price.
Closing costs + prepaids$12,213Not just lender fees.
Before credits & paid funds$153,669The complete starting cash picture.
Estimated remaining funds due at closing
$153,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,456.60
Your down payment$141,456.60
Closing costs + prepaids$12,212.58
Total buyer cash needed$153,669.18
Remaining funds due$153,669.18
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)$1,358.50
Initial HOA (3 months)$240.00
Prepaid interest, first (25 days)$490.08
Fees + prepaids$12,212.58
Your down payment is the seller’s equity. You take over the $248,443 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $153,669.18 is due at closing. Uses and sources reconcile at $402,112.58 each. Not a Closing Disclosure.