Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$135,001Cash toward the purchase price.
Closing costs + prepaids$11,417Not just lender fees.
Before credits & paid funds$146,418The complete starting cash picture.
Estimated remaining funds due at closing
$146,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,001.28
Your down payment$135,001.28
Closing costs + prepaids$11,416.58
Total buyer cash needed$146,417.86
Remaining funds due$146,417.86
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)$516.00
Initial HOA (3 months)$201.00
Prepaid interest, first (26 days)$575.58
Fees + prepaids$11,416.58
Your down payment is the seller’s equity. You take over the $254,899 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $146,417.86 is due at closing. Uses and sources reconcile at $401,316.58 each. Not a Closing Disclosure.