Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$135,001Cash toward the purchase price.
Closing costs + prepaids$11,284Not just lender fees.
Before credits & paid funds$146,285The complete starting cash picture.
Estimated remaining funds due at closing
$146,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,001.28
Your down payment$135,001.28
Closing costs + prepaids$11,283.76
Total buyer cash needed$146,285.04
Remaining funds due$146,285.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$516.00
Initial HOA (3 months)$201.00
Prepaid interest, first (20 days)$442.76
Fees + prepaids$11,283.76
Your down payment is the seller’s equity. You take over the $254,899 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $146,285.04 is due at closing. Uses and sources reconcile at $401,183.76 each. Not a Closing Disclosure.