Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$172,623Cash toward the purchase price.
Closing costs + prepaids$12,671Not just lender fees.
Before credits & paid funds$185,293The complete starting cash picture.
Estimated remaining funds due at closing
$185,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,622.74
Your down payment$172,622.74
Closing costs + prepaids$12,670.67
Total buyer cash needed$185,293.40
Remaining funds due$185,293.40
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)$2,027.00
Initial HOA (3 months)$72.00
Prepaid interest, first (25 days)$446.67
Fees + prepaids$12,670.67
Your down payment is the seller’s equity. You take over the $217,377 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $185,293.40 is due at closing. Uses and sources reconcile at $402,670.67 each. Not a Closing Disclosure.