Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$163,456Cash toward the purchase price.
Closing costs + prepaids$11,253Not just lender fees.
Before credits & paid funds$174,710The complete starting cash picture.
Estimated remaining funds due at closing
$174,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,456.36
Your down payment$163,456.36
Closing costs + prepaids$11,253.34
Total buyer cash needed$174,709.70
Remaining funds due$174,709.70
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)$986.25
Initial HOA (3 months)$111.00
Prepaid interest, first (1 days)$41.09
Fees + prepaids$11,253.34
Your down payment is the seller’s equity. You take over the $225,544 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $174,709.70 is due at closing. Uses and sources reconcile at $400,253.34 each. Not a Closing Disclosure.