Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$151,576Cash toward the purchase price.
Closing costs + prepaids$11,148Not just lender fees.
Before credits & paid funds$162,724The complete starting cash picture.
Estimated remaining funds due at closing
$162,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,576.11
Your down payment$151,576.11
Closing costs + prepaids$11,147.68
Total buyer cash needed$162,723.79
Remaining funds due$162,723.79
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)$975.00
Prepaid interest, first (2 days)$47.68
Fees + prepaids$11,147.68
Your down payment is the seller’s equity. You take over the $238,424 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $162,723.79 is due at closing. Uses and sources reconcile at $401,147.68 each. Not a Closing Disclosure.