Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$163,679Cash toward the purchase price.
Closing costs + prepaids$12,156Not just lender fees.
Before credits & paid funds$175,835The complete starting cash picture.
Estimated remaining funds due at closing
$175,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,678.78
Your down payment$163,678.78
Closing costs + prepaids$12,156.44
Total buyer cash needed$175,835.22
Remaining funds due$175,835.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$986.25
Initial HOA (3 months)$111.00
Prepaid interest, first (23 days)$944.19
Fees + prepaids$12,156.44
Your down payment is the seller’s equity. You take over the $225,321 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $175,835.22 is due at closing. Uses and sources reconcile at $401,156.44 each. Not a Closing Disclosure.