Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$166,857Cash toward the purchase price.
Closing costs + prepaids$12,287Not just lender fees.
Before credits & paid funds$179,144The complete starting cash picture.
Estimated remaining funds due at closing
$179,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,856.97
Your down payment$166,856.97
Closing costs + prepaids$12,287.15
Total buyer cash needed$179,144.12
Remaining funds due$179,144.12
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)$1,884.25
Initial HOA (3 months)$261.00
Prepaid interest, first (1 days)$17.90
Fees + prepaids$12,287.15
Your down payment is the seller’s equity. You take over the $223,043 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $179,144.12 is due at closing. Uses and sources reconcile at $402,187.15 each. Not a Closing Disclosure.