Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$116,278Cash toward the purchase price.
Closing costs + prepaids$11,508Not just lender fees.
Before credits & paid funds$127,786The complete starting cash picture.
Estimated remaining funds due at closing
$127,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,277.53
Your down payment$116,277.53
Closing costs + prepaids$11,508.39
Total buyer cash needed$127,785.91
Remaining funds due$127,785.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,880.00
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)$242.50
Prepaid interest, first (23 days)$1,160.89
Fees + prepaids$11,508.39
Your down payment is the seller’s equity. You take over the $271,722 balance, so the rest of the $388,000 price is paid at closing. A second mortgage can cover part of it. $127,785.91 is due at closing. Uses and sources reconcile at $399,508.39 each. Not a Closing Disclosure.