Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$130,724Cash toward the purchase price.
Closing costs + prepaids$12,480Not just lender fees.
Before credits & paid funds$143,203The complete starting cash picture.
Estimated remaining funds due at closing
$143,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,723.57
Your down payment$130,723.57
Closing costs + prepaids$12,479.76
Total buyer cash needed$143,203.33
Remaining funds due$143,203.33
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)$1,669.25
Initial HOA (3 months)$99.00
Prepaid interest, first (30 days)$596.51
Fees + prepaids$12,479.76
Your down payment is the seller’s equity. You take over the $258,276 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $143,203.33 is due at closing. Uses and sources reconcile at $401,479.76 each. Not a Closing Disclosure.