Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$123,404Cash toward the purchase price.
Closing costs + prepaids$12,096Not just lender fees.
Before credits & paid funds$135,500The complete starting cash picture.
Estimated remaining funds due at closing
$135,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,404.13
Your down payment$123,404.13
Closing costs + prepaids$12,095.94
Total buyer cash needed$135,500.07
Remaining funds due$135,500.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$1,445.00
Prepaid interest, first (28 days)$575.94
Fees + prepaids$12,095.94
Your down payment is the seller’s equity. You take over the $261,596 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $135,500.07 is due at closing. Uses and sources reconcile at $397,095.94 each. Not a Closing Disclosure.