Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$119,044Cash toward the purchase price.
Closing costs + prepaids$11,859Not just lender fees.
Before credits & paid funds$130,903The complete starting cash picture.
Estimated remaining funds due at closing
$130,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,044.24
Your down payment$119,044.24
Closing costs + prepaids$11,858.57
Total buyer cash needed$130,902.81
Remaining funds due$130,902.81
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)$325.75
Prepaid interest, first (30 days)$1,417.82
Fees + prepaids$11,858.57
Your down payment is the seller’s equity. You take over the $269,956 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $130,902.81 is due at closing. Uses and sources reconcile at $400,858.57 each. Not a Closing Disclosure.