Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$245,329Cash toward the purchase price.
Closing costs + prepaids$11,765Not just lender fees.
Before credits & paid funds$257,094The complete starting cash picture.
Estimated remaining funds due at closing
$257,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,328.93
Your down payment$245,328.93
Closing costs + prepaids$11,765.04
Total buyer cash needed$257,093.97
Remaining funds due$257,093.97
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)$1,073.25
Prepaid interest, first (26 days)$566.79
Fees + prepaids$11,765.04
Your down payment is the seller’s equity. You take over the $144,671 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $257,093.97 is due at closing. Uses and sources reconcile at $401,765.04 each. Not a Closing Disclosure.