Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$128,685Cash toward the purchase price.
Closing costs + prepaids$12,954Not just lender fees.
Before credits & paid funds$141,640The complete starting cash picture.
Estimated remaining funds due at closing
$141,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,685.35
Your down payment$128,685.35
Closing costs + prepaids$12,954.34
Total buyer cash needed$141,639.69
Remaining funds due$141,639.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$1,904.25
Prepaid interest, first (25 days)$825.09
Fees + prepaids$12,954.34
Your down payment is the seller’s equity. You take over the $271,315 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $141,639.69 is due at closing. Uses and sources reconcile at $412,954.34 each. Not a Closing Disclosure.