Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$156,485Cash toward the purchase price.
Closing costs + prepaids$11,287Not just lender fees.
Before credits & paid funds$167,771The complete starting cash picture.
Estimated remaining funds due at closing
$167,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,484.66
Your down payment$156,484.66
Closing costs + prepaids$11,286.53
Total buyer cash needed$167,771.19
Remaining funds due$167,771.19
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)$374.25
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$617.28
Fees + prepaids$11,286.53
Your down payment is the seller’s equity. You take over the $232,515 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $167,771.19 is due at closing. Uses and sources reconcile at $400,286.53 each. Not a Closing Disclosure.