Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$122,234Cash toward the purchase price.
Closing costs + prepaids$11,863Not just lender fees.
Before credits & paid funds$134,097The complete starting cash picture.
Estimated remaining funds due at closing
$134,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,233.78
Your down payment$122,233.78
Closing costs + prepaids$11,863.37
Total buyer cash needed$134,097.15
Remaining funds due$134,097.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.90
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)$532.25
Prepaid interest, first (27 days)$1,206.22
Fees + prepaids$11,863.37
Your down payment is the seller’s equity. You take over the $267,756 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $134,097.15 is due at closing. Uses and sources reconcile at $401,853.37 each. Not a Closing Disclosure.