Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$241,417Cash toward the purchase price.
Closing costs + prepaids$11,082Not just lender fees.
Before credits & paid funds$252,500The complete starting cash picture.
Estimated remaining funds due at closing
$252,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,417.25
Your down payment$241,417.25
Closing costs + prepaids$11,082.38
Total buyer cash needed$252,499.63
Remaining funds due$252,499.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.50
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)$507.75
Initial HOA (3 months)$135.00
Prepaid interest, first (22 days)$315.13
Fees + prepaids$11,082.38
Your down payment is the seller’s equity. You take over the $148,533 balance, so the rest of the $389,950 price is paid at closing. A second mortgage can cover part of it. $252,499.63 is due at closing. Uses and sources reconcile at $401,032.38 each. Not a Closing Disclosure.