Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$230,678Cash toward the purchase price.
Closing costs + prepaids$13,103Not just lender fees.
Before credits & paid funds$243,781The complete starting cash picture.
Estimated remaining funds due at closing
$243,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,677.92
Your down payment$230,677.92
Closing costs + prepaids$13,103.05
Total buyer cash needed$243,780.97
Remaining funds due$243,780.97
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)$1,182.25
Initial HOA (3 months)$1,470.00
Prepaid interest, first (24 days)$325.80
Fees + prepaids$13,103.05
Your down payment is the seller’s equity. You take over the $159,322 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $243,780.97 is due at closing. Uses and sources reconcile at $403,103.05 each. Not a Closing Disclosure.