Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$134,613Cash toward the purchase price.
Closing costs + prepaids$12,150Not just lender fees.
Before credits & paid funds$146,763The complete starting cash picture.
Estimated remaining funds due at closing
$146,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,612.95
Your down payment$134,612.95
Closing costs + prepaids$12,150.44
Total buyer cash needed$146,763.39
Remaining funds due$146,763.39
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)$332.50
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$1,492.94
Fees + prepaids$12,150.44
Your down payment is the seller’s equity. You take over the $254,387 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $146,763.39 is due at closing. Uses and sources reconcile at $401,150.44 each. Not a Closing Disclosure.