Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$123,820Cash toward the purchase price.
Closing costs + prepaids$11,750Not just lender fees.
Before credits & paid funds$135,570The complete starting cash picture.
Estimated remaining funds due at closing
$135,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,820.08
Your down payment$123,820.08
Closing costs + prepaids$11,749.84
Total buyer cash needed$135,569.92
Remaining funds due$135,569.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,949.00
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)$615.00
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$630.84
Fees + prepaids$11,749.84
Your down payment is the seller’s equity. You take over the $271,080 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $135,569.92 is due at closing. Uses and sources reconcile at $406,649.84 each. Not a Closing Disclosure.