Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$143,945Cash toward the purchase price.
Closing costs + prepaids$11,946Not just lender fees.
Before credits & paid funds$155,891The complete starting cash picture.
Estimated remaining funds due at closing
$155,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,945.45
Your down payment$143,945.45
Closing costs + prepaids$11,945.63
Total buyer cash needed$155,891.08
Remaining funds due$155,891.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,930.00
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)$295.75
Initial HOA (3 months)$255.00
Prepaid interest, first (27 days)$1,239.88
Fees + prepaids$11,945.63
Your down payment is the seller’s equity. You take over the $249,055 balance, so the rest of the $393,000 price is paid at closing. A second mortgage can cover part of it. $155,891.08 is due at closing. Uses and sources reconcile at $404,945.63 each. Not a Closing Disclosure.