Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$252,990Cash toward the purchase price.
Closing costs + prepaids$12,029Not just lender fees.
Before credits & paid funds$265,019The complete starting cash picture.
Estimated remaining funds due at closing
$265,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,989.55
Your down payment$252,989.55
Closing costs + prepaids$12,029.22
Total buyer cash needed$265,018.77
Remaining funds due$265,018.77
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)$1,370.25
Initial HOA (3 months)$195.51
Prepaid interest, first (25 days)$339.46
Fees + prepaids$12,029.22
Your down payment is the seller’s equity. You take over the $136,910 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $265,018.77 is due at closing. Uses and sources reconcile at $401,929.22 each. Not a Closing Disclosure.