Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$139,257Cash toward the purchase price.
Closing costs + prepaids$11,353Not just lender fees.
Before credits & paid funds$150,610The complete starting cash picture.
Estimated remaining funds due at closing
$150,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,256.97
Your down payment$139,256.97
Closing costs + prepaids$11,353.08
Total buyer cash needed$150,610.05
Remaining funds due$150,610.05
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)$335.75
Initial HOA (3 months)$360.00
Prepaid interest, first (27 days)$532.33
Fees + prepaids$11,353.08
Your down payment is the seller’s equity. You take over the $250,743 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $150,610.05 is due at closing. Uses and sources reconcile at $401,353.08 each. Not a Closing Disclosure.