Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$263,036Cash toward the purchase price.
Closing costs + prepaids$11,036Not just lender fees.
Before credits & paid funds$274,072The complete starting cash picture.
Estimated remaining funds due at closing
$274,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,036.26
Your down payment$263,036.26
Closing costs + prepaids$11,035.69
Total buyer cash needed$274,071.95
Remaining funds due$274,071.95
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)$411.50
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$284.19
Fees + prepaids$11,035.69
Your down payment is the seller’s equity. You take over the $125,964 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $274,071.95 is due at closing. Uses and sources reconcile at $400,035.69 each. Not a Closing Disclosure.