Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$138,655Cash toward the purchase price.
Closing costs + prepaids$10,841Not just lender fees.
Before credits & paid funds$149,496The complete starting cash picture.
Estimated remaining funds due at closing
$149,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,655.36
Your down payment$138,655.36
Closing costs + prepaids$10,840.51
Total buyer cash needed$149,495.87
Remaining funds due$149,495.87
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 (1 days)$19.76
Fees + prepaids$10,840.51
Your down payment is the seller’s equity. You take over the $251,345 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $149,495.87 is due at closing. Uses and sources reconcile at $400,840.51 each. Not a Closing Disclosure.