Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$125,417Cash toward the purchase price.
Closing costs + prepaids$11,035Not just lender fees.
Before credits & paid funds$136,452The complete starting cash picture.
Estimated remaining funds due at closing
$136,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,417.42
Your down payment$125,417.42
Closing costs + prepaids$11,034.68
Total buyer cash needed$136,452.10
Remaining funds due$136,452.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$351.50
Prepaid interest, first (28 days)$568.18
Fees + prepaids$11,034.68
Your down payment is the seller’s equity. You take over the $263,583 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $136,452.10 is due at closing. Uses and sources reconcile at $400,034.68 each. Not a Closing Disclosure.