Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$166,654Cash toward the purchase price.
Closing costs + prepaids$11,707Not just lender fees.
Before credits & paid funds$178,361The complete starting cash picture.
Estimated remaining funds due at closing
$178,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,654.01
Your down payment$166,654.01
Closing costs + prepaids$11,707.35
Total buyer cash needed$178,361.35
Remaining funds due$178,361.35
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)$900.75
Initial HOA (3 months)$84.99
Prepaid interest, first (25 days)$596.61
Fees + prepaids$11,707.35
Your down payment is the seller’s equity. You take over the $223,346 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $178,361.35 is due at closing. Uses and sources reconcile at $401,707.35 each. Not a Closing Disclosure.