Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$252,346Cash toward the purchase price.
Closing costs + prepaids$10,777Not just lender fees.
Before credits & paid funds$263,123The complete starting cash picture.
Estimated remaining funds due at closing
$263,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,346.18
Your down payment$252,346.18
Closing costs + prepaids$10,776.55
Total buyer cash needed$263,122.73
Remaining funds due$263,122.73
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)$487.50
Prepaid interest, first (15 days)$164.05
Fees + prepaids$10,776.55
Your down payment is the seller’s equity. You take over the $137,654 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $263,122.73 is due at closing. Uses and sources reconcile at $400,776.55 each. Not a Closing Disclosure.