Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$134,753Cash toward the purchase price.
Closing costs + prepaids$10,568Not just lender fees.
Before credits & paid funds$145,321The complete starting cash picture.
Estimated remaining funds due at closing
$145,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,752.67
Your down payment$134,752.67
Closing costs + prepaids$10,568.25
Total buyer cash needed$145,320.92
Remaining funds due$145,320.92
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)$408.25
Prepaid interest, first (2 days)$45.00
Fees + prepaids$10,568.25
Your down payment is the seller’s equity. You take over the $254,247 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $145,320.92 is due at closing. Uses and sources reconcile at $399,568.25 each. Not a Closing Disclosure.