Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$156,574Cash toward the purchase price.
Closing costs + prepaids$11,522Not just lender fees.
Before credits & paid funds$168,096The complete starting cash picture.
Estimated remaining funds due at closing
$168,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,573.99
Your down payment$156,573.99
Closing costs + prepaids$11,522.40
Total buyer cash needed$168,096.39
Remaining funds due$168,096.39
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)$798.00
Initial HOA (3 months)$50.01
Prepaid interest, first (30 days)$550.39
Fees + prepaids$11,522.40
Your down payment is the seller’s equity. You take over the $233,326 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $168,096.39 is due at closing. Uses and sources reconcile at $401,422.40 each. Not a Closing Disclosure.