Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$134,984Cash toward the purchase price.
Closing costs + prepaids$12,761Not just lender fees.
Before credits & paid funds$147,745The complete starting cash picture.
Estimated remaining funds due at closing
$147,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,984.01
Your down payment$134,984.01
Closing costs + prepaids$12,760.79
Total buyer cash needed$147,744.80
Remaining funds due$147,744.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$1,024.50
Initial HOA (3 months)$80.01
Prepaid interest, first (31 days)$1,531.28
Fees + prepaids$12,760.79
Your down payment is the seller’s equity. You take over the $255,016 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $147,744.80 is due at closing. Uses and sources reconcile at $402,760.79 each. Not a Closing Disclosure.