Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$130,542Cash toward the purchase price.
Closing costs + prepaids$12,244Not just lender fees.
Before credits & paid funds$142,787The complete starting cash picture.
Estimated remaining funds due at closing
$142,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,542.11
Your down payment$130,542.11
Closing costs + prepaids$12,244.44
Total buyer cash needed$142,786.56
Remaining funds due$142,786.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$962.50
Initial HOA (3 months)$705.00
Prepaid interest, first (25 days)$501.94
Fees + prepaids$12,244.44
Your down payment is the seller’s equity. You take over the $254,458 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $142,786.56 is due at closing. Uses and sources reconcile at $397,244.44 each. Not a Closing Disclosure.