Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$137,031Cash toward the purchase price.
Closing costs + prepaids$12,082Not just lender fees.
Before credits & paid funds$149,113The complete starting cash picture.
Estimated remaining funds due at closing
$149,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,031.39
Your down payment$137,031.39
Closing costs + prepaids$12,081.70
Total buyer cash needed$149,113.09
Remaining funds due$149,113.09
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)$682.75
Initial HOA (3 months)$1,260.00
Prepaid interest, first (1 days)$23.95
Fees + prepaids$12,081.70
Your down payment is the seller’s equity. You take over the $251,969 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $149,113.09 is due at closing. Uses and sources reconcile at $401,081.70 each. Not a Closing Disclosure.