Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$115,012Cash toward the purchase price.
Closing costs + prepaids$11,956Not just lender fees.
Before credits & paid funds$126,968The complete starting cash picture.
Estimated remaining funds due at closing
$126,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,011.91
Your down payment$115,011.91
Closing costs + prepaids$11,956.23
Total buyer cash needed$126,968.14
Remaining funds due$126,968.14
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)$333.75
Initial HOA (3 months)$176.76
Prepaid interest, first (27 days)$1,321.72
Fees + prepaids$11,956.23
Your down payment is the seller’s equity. You take over the $274,888 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $126,968.14 is due at closing. Uses and sources reconcile at $401,856.23 each. Not a Closing Disclosure.