Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$139,306Cash toward the purchase price.
Closing costs + prepaids$11,607Not just lender fees.
Before credits & paid funds$150,913The complete starting cash picture.
Estimated remaining funds due at closing
$150,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,305.95
Your down payment$139,305.95
Closing costs + prepaids$11,607.04
Total buyer cash needed$150,912.99
Remaining funds due$150,912.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$518.00
Initial HOA (3 months)$243.00
Prepaid interest, first (31 days)$671.04
Fees + prepaids$11,607.04
Your down payment is the seller’s equity. You take over the $255,694 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $150,912.99 is due at closing. Uses and sources reconcile at $406,607.04 each. Not a Closing Disclosure.