Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$126,805Cash toward the purchase price.
Closing costs + prepaids$10,942Not just lender fees.
Before credits & paid funds$137,746The complete starting cash picture.
Estimated remaining funds due at closing
$137,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,804.65
Your down payment$126,804.65
Closing costs + prepaids$10,941.77
Total buyer cash needed$137,746.42
Remaining funds due$137,746.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.95
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)$401.75
Initial HOA (3 months)$48.00
Prepaid interest, first (22 days)$417.07
Fees + prepaids$10,941.77
Your down payment is the seller’s equity. You take over the $258,190 balance, so the rest of the $384,995 price is paid at closing. A second mortgage can cover part of it. $137,746.42 is due at closing. Uses and sources reconcile at $395,936.77 each. Not a Closing Disclosure.