Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$139,306Cash toward the purchase price.
Closing costs + prepaids$11,087Not just lender fees.
Before credits & paid funds$150,393The complete starting cash picture.
Estimated remaining funds due at closing
$150,393No 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$11,086.82
Total buyer cash needed$150,392.76
Remaining funds due$150,392.76
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)$474.00
Initial HOA (3 months)$243.00
Prepaid interest, first (9 days)$194.82
Fees + prepaids$11,086.82
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. $150,392.76 is due at closing. Uses and sources reconcile at $406,086.82 each. Not a Closing Disclosure.