Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$137,469Cash toward the purchase price.
Closing costs + prepaids$11,650Not just lender fees.
Before credits & paid funds$149,119The complete starting cash picture.
Estimated remaining funds due at closing
$149,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,469.23
Your down payment$137,469.23
Closing costs + prepaids$11,650.07
Total buyer cash needed$149,119.30
Remaining funds due$149,119.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$308.00
Initial HOA (3 months)$534.00
Prepaid interest, first (31 days)$593.07
Fees + prepaids$11,650.07
Your down payment is the seller’s equity. You take over the $261,531 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $149,119.30 is due at closing. Uses and sources reconcile at $410,650.07 each. Not a Closing Disclosure.