Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$139,568Cash toward the purchase price.
Closing costs + prepaids$11,985Not just lender fees.
Before credits & paid funds$151,553The complete starting cash picture.
Estimated remaining funds due at closing
$151,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,568.39
Your down payment$139,568.39
Closing costs + prepaids$11,984.89
Total buyer cash needed$151,553.28
Remaining funds due$151,553.28
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)$994.50
Initial HOA (3 months)$774.00
Prepaid interest, first (4 days)$91.39
Fees + prepaids$11,984.89
Your down payment is the seller’s equity. You take over the $250,432 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $151,553.28 is due at closing. Uses and sources reconcile at $401,984.89 each. Not a Closing Disclosure.