Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$122,874Cash toward the purchase price.
Closing costs + prepaids$12,227Not just lender fees.
Before credits & paid funds$135,101The complete starting cash picture.
Estimated remaining funds due at closing
$135,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,874.00
Your down payment$122,874.00
Closing costs + prepaids$12,227.47
Total buyer cash needed$135,101.47
Remaining funds due$135,101.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,940.00
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)$1,156.75
Initial HOA (3 months)$288.00
Prepaid interest, first (28 days)$617.72
Fees + prepaids$12,227.47
Your down payment is the seller’s equity. You take over the $271,126 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $135,101.47 is due at closing. Uses and sources reconcile at $406,227.47 each. Not a Closing Disclosure.