Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$223,957Cash toward the purchase price.
Closing costs + prepaids$10,988Not just lender fees.
Before credits & paid funds$234,945The complete starting cash picture.
Estimated remaining funds due at closing
$234,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,956.78
Your down payment$223,956.78
Closing costs + prepaids$10,988.06
Total buyer cash needed$234,944.85
Remaining funds due$234,944.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,900.00
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)$468.00
Initial HOA (3 months)$204.00
Prepaid interest, first (10 days)$191.06
Fees + prepaids$10,988.06
Your down payment is the seller’s equity. You take over the $166,043 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $234,944.85 is due at closing. Uses and sources reconcile at $400,988.06 each. Not a Closing Disclosure.