Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$124,355Cash toward the purchase price.
Closing costs + prepaids$13,197Not just lender fees.
Before credits & paid funds$137,552The complete starting cash picture.
Estimated remaining funds due at closing
$137,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,355.09
Your down payment$124,355.09
Closing costs + prepaids$13,196.78
Total buyer cash needed$137,551.87
Remaining funds due$137,551.87
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)$2,214.00
Initial HOA (3 months)$207.99
Prepaid interest, first (24 days)$550.79
Fees + prepaids$13,196.78
Your down payment is the seller’s equity. You take over the $275,545 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $137,551.87 is due at closing. Uses and sources reconcile at $413,096.78 each. Not a Closing Disclosure.