Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$171,452Cash toward the purchase price.
Closing costs + prepaids$10,958Not just lender fees.
Before credits & paid funds$182,410The complete starting cash picture.
Estimated remaining funds due at closing
$182,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,452.04
Your down payment$171,452.04
Closing costs + prepaids$10,958.15
Total buyer cash needed$182,410.19
Remaining funds due$182,410.19
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)$581.25
Initial HOA (3 months)$234.00
Prepaid interest, first (1 days)$17.90
Fees + prepaids$10,958.15
Your down payment is the seller’s equity. You take over the $218,548 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $182,410.19 is due at closing. Uses and sources reconcile at $400,958.15 each. Not a Closing Disclosure.