Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$128,376Cash toward the purchase price.
Closing costs + prepaids$11,715Not just lender fees.
Before credits & paid funds$140,091The complete starting cash picture.
Estimated remaining funds due at closing
$140,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,375.97
Your down payment$128,375.97
Closing costs + prepaids$11,714.59
Total buyer cash needed$140,090.56
Remaining funds due$140,090.56
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)$379.25
Initial HOA (3 months)$525.00
Prepaid interest, first (31 days)$686.34
Fees + prepaids$11,714.59
Your down payment is the seller’s equity. You take over the $261,524 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $140,090.56 is due at closing. Uses and sources reconcile at $401,614.59 each. Not a Closing Disclosure.