Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$121,689Cash toward the purchase price.
Closing costs + prepaids$11,554Not just lender fees.
Before credits & paid funds$133,244The complete starting cash picture.
Estimated remaining funds due at closing
$133,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,689.42
Your down payment$121,689.42
Closing costs + prepaids$11,554.17
Total buyer cash needed$133,243.59
Remaining funds due$133,243.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$920.50
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$584.67
Fees + prepaids$11,554.17
Your down payment is the seller’s equity. You take over the $253,211 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $133,243.59 is due at closing. Uses and sources reconcile at $386,454.17 each. Not a Closing Disclosure.