Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$142,945Cash toward the purchase price.
Closing costs + prepaids$11,284Not just lender fees.
Before credits & paid funds$154,229The complete starting cash picture.
Estimated remaining funds due at closing
$154,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,945.45
Your down payment$142,945.45
Closing costs + prepaids$11,283.79
Total buyer cash needed$154,229.24
Remaining funds due$154,229.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,920.00
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)$470.50
Initial HOA (3 months)$255.00
Prepaid interest, first (9 days)$413.29
Fees + prepaids$11,283.79
Your down payment is the seller’s equity. You take over the $249,055 balance, so the rest of the $392,000 price is paid at closing. A second mortgage can cover part of it. $154,229.24 is due at closing. Uses and sources reconcile at $403,283.79 each. Not a Closing Disclosure.