Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$128,224Cash toward the purchase price.
Closing costs + prepaids$12,316Not just lender fees.
Before credits & paid funds$140,539The complete starting cash picture.
Estimated remaining funds due at closing
$140,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,223.57
Your down payment$128,223.57
Closing costs + prepaids$12,315.58
Total buyer cash needed$140,539.15
Remaining funds due$140,539.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,865.00
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)$1,669.25
Initial HOA (3 months)$99.00
Prepaid interest, first (23 days)$457.33
Fees + prepaids$12,315.58
Your down payment is the seller’s equity. You take over the $258,276 balance, so the rest of the $386,500 price is paid at closing. A second mortgage can cover part of it. $140,539.15 is due at closing. Uses and sources reconcile at $398,815.58 each. Not a Closing Disclosure.