Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$139,313Cash toward the purchase price.
Closing costs + prepaids$12,964Not just lender fees.
Before credits & paid funds$152,277The complete starting cash picture.
Estimated remaining funds due at closing
$152,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,312.69
Your down payment$139,312.69
Closing costs + prepaids$12,964.26
Total buyer cash needed$152,276.95
Remaining funds due$152,276.95
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)$974.75
Initial HOA (3 months)$618.00
Prepaid interest, first (27 days)$1,247.51
Fees + prepaids$12,964.26
Your down payment is the seller’s equity. You take over the $250,587 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $152,276.95 is due at closing. Uses and sources reconcile at $402,864.26 each. Not a Closing Disclosure.