Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$122,745Cash toward the purchase price.
Closing costs + prepaids$12,791Not just lender fees.
Before credits & paid funds$135,537The complete starting cash picture.
Estimated remaining funds due at closing
$135,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,745.40
Your down payment$122,745.40
Closing costs + prepaids$12,791.48
Total buyer cash needed$135,536.88
Remaining funds due$135,536.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$2,176.75
Initial HOA (3 months)$50.01
Prepaid interest, first (27 days)$549.72
Fees + prepaids$12,791.48
Your down payment is the seller’s equity. You take over the $256,255 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $135,536.88 is due at closing. Uses and sources reconcile at $391,791.48 each. Not a Closing Disclosure.