Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$126,754Cash toward the purchase price.
Closing costs + prepaids$12,188Not just lender fees.
Before credits & paid funds$138,942The complete starting cash picture.
Estimated remaining funds due at closing
$138,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,754.25
Your down payment$126,754.25
Closing costs + prepaids$12,187.99
Total buyer cash needed$138,942.24
Remaining funds due$138,942.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,644.00
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)$527.25
Initial HOA (3 months)$1,140.00
Prepaid interest, first (22 days)$651.74
Fees + prepaids$12,187.99
Your down payment is the seller’s equity. You take over the $237,646 balance, so the rest of the $364,400 price is paid at closing. A second mortgage can cover part of it. $138,942.24 is due at closing. Uses and sources reconcile at $376,587.99 each. Not a Closing Disclosure.