Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$114,731Cash toward the purchase price.
Closing costs + prepaids$10,684Not just lender fees.
Before credits & paid funds$125,415The complete starting cash picture.
Estimated remaining funds due at closing
$125,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,731.20
Your down payment$114,731.20
Closing costs + prepaids$10,683.51
Total buyer cash needed$125,414.72
Remaining funds due$125,414.72
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 (1 days)$49.00
Fees + prepaids$10,683.51
Your down payment is the seller’s equity. You take over the $275,169 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $125,414.72 is due at closing. Uses and sources reconcile at $400,583.51 each. Not a Closing Disclosure.