Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$122,667Cash toward the purchase price.
Closing costs + prepaids$11,001Not just lender fees.
Before credits & paid funds$133,667The complete starting cash picture.
Estimated remaining funds due at closing
$133,667No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,666.68
Your down payment$122,666.68
Closing costs + prepaids$11,000.73
Total buyer cash needed$133,667.41
Remaining funds due$133,667.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$250.75
Prepaid interest, first (25 days)$525.98
Fees + prepaids$11,000.73
Your down payment is the seller’s equity. You take over the $277,233 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $133,667.41 is due at closing. Uses and sources reconcile at $410,900.73 each. Not a Closing Disclosure.