Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$257,165Cash toward the purchase price.
Closing costs + prepaids$11,870Not just lender fees.
Before credits & paid funds$269,035The complete starting cash picture.
Estimated remaining funds due at closing
$269,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,165.40
Your down payment$257,165.40
Closing costs + prepaids$11,869.87
Total buyer cash needed$269,035.26
Remaining funds due$269,035.26
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)$1,296.75
Prepaid interest, first (26 days)$449.12
Fees + prepaids$11,869.87
Your down payment is the seller’s equity. You take over the $132,735 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $269,035.26 is due at closing. Uses and sources reconcile at $401,769.87 each. Not a Closing Disclosure.