Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$135,871Cash toward the purchase price.
Closing costs + prepaids$11,384Not just lender fees.
Before credits & paid funds$147,255The complete starting cash picture.
Estimated remaining funds due at closing
$147,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,870.97
Your down payment$135,870.97
Closing costs + prepaids$11,383.63
Total buyer cash needed$147,254.59
Remaining funds due$147,254.59
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)$504.50
Prepaid interest, first (31 days)$755.13
Fees + prepaids$11,383.63
Your down payment is the seller’s equity. You take over the $254,029 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $147,254.59 is due at closing. Uses and sources reconcile at $401,283.63 each. Not a Closing Disclosure.