Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$124,037Cash toward the purchase price.
Closing costs + prepaids$12,294Not just lender fees.
Before credits & paid funds$136,331The complete starting cash picture.
Estimated remaining funds due at closing
$136,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,036.68
Your down payment$124,036.68
Closing costs + prepaids$12,294.34
Total buyer cash needed$136,331.03
Remaining funds due$136,331.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$742.25
Initial HOA (3 months)$759.00
Prepaid interest, first (26 days)$568.10
Fees + prepaids$12,294.34
Your down payment is the seller’s equity. You take over the $275,962 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $136,331.03 is due at closing. Uses and sources reconcile at $412,293.34 each. Not a Closing Disclosure.