Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$149,853Cash toward the purchase price.
Closing costs + prepaids$11,292Not just lender fees.
Before credits & paid funds$161,145The complete starting cash picture.
Estimated remaining funds due at closing
$161,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,853.19
Your down payment$149,853.19
Closing costs + prepaids$11,291.70
Total buyer cash needed$161,144.89
Remaining funds due$161,144.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$596.25
Prepaid interest, first (27 days)$520.45
Fees + prepaids$11,291.70
Your down payment is the seller’s equity. You take over the $245,147 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $161,144.89 is due at closing. Uses and sources reconcile at $406,291.70 each. Not a Closing Disclosure.