Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$121,714Cash toward the purchase price.
Closing costs + prepaids$11,523Not just lender fees.
Before credits & paid funds$133,237The complete starting cash picture.
Estimated remaining funds due at closing
$133,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,714.23
Your down payment$121,714.23
Closing costs + prepaids$11,522.90
Total buyer cash needed$133,237.13
Remaining funds due$133,237.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,830.00
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)$957.50
Prepaid interest, first (23 days)$510.40
Fees + prepaids$11,522.90
Your down payment is the seller’s equity. You take over the $261,286 balance, so the rest of the $383,000 price is paid at closing. A second mortgage can cover part of it. $133,237.13 is due at closing. Uses and sources reconcile at $394,522.90 each. Not a Closing Disclosure.