Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$123,422Cash toward the purchase price.
Closing costs + prepaids$11,637Not just lender fees.
Before credits & paid funds$135,059The complete starting cash picture.
Estimated remaining funds due at closing
$135,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,422.26
Your down payment$123,422.26
Closing costs + prepaids$11,637.18
Total buyer cash needed$135,059.44
Remaining funds due$135,059.44
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)$895.75
Prepaid interest, first (23 days)$517.43
Fees + prepaids$11,637.18
Your down payment is the seller’s equity. You take over the $276,478 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $135,059.44 is due at closing. Uses and sources reconcile at $411,537.18 each. Not a Closing Disclosure.