Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$140,622Cash toward the purchase price.
Closing costs + prepaids$11,158Not just lender fees.
Before credits & paid funds$151,780The complete starting cash picture.
Estimated remaining funds due at closing
$151,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,621.58
Your down payment$140,621.58
Closing costs + prepaids$11,158.22
Total buyer cash needed$151,779.80
Remaining funds due$151,779.80
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)$496.75
Initial HOA (3 months)$486.00
Prepaid interest, first (1 days)$20.47
Fees + prepaids$11,158.22
Your down payment is the seller’s equity. You take over the $252,378 balance, so the rest of the $393,000 price is paid at closing. A second mortgage can cover part of it. $151,779.80 is due at closing. Uses and sources reconcile at $404,158.22 each. Not a Closing Disclosure.