Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$121,654Cash toward the purchase price.
Closing costs + prepaids$12,847Not just lender fees.
Before credits & paid funds$134,501The complete starting cash picture.
Estimated remaining funds due at closing
$134,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,653.63
Your down payment$121,653.63
Closing costs + prepaids$12,847.45
Total buyer cash needed$134,501.09
Remaining funds due$134,501.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$997.50
Initial HOA (3 months)$285.00
Prepaid interest, first (27 days)$1,349.95
Fees + prepaids$12,847.45
Your down payment is the seller’s equity. You take over the $277,346 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $134,501.09 is due at closing. Uses and sources reconcile at $411,847.45 each. Not a Closing Disclosure.