Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$139,528Cash toward the purchase price.
Closing costs + prepaids$12,147Not just lender fees.
Before credits & paid funds$151,674The complete starting cash picture.
Estimated remaining funds due at closing
$151,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,527.50
Your down payment$139,527.50
Closing costs + prepaids$12,146.99
Total buyer cash needed$151,674.49
Remaining funds due$151,674.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,940.00
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)$681.25
Prepaid interest, first (27 days)$1,300.74
Fees + prepaids$12,146.99
Your down payment is the seller’s equity. You take over the $254,472 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $151,674.49 is due at closing. Uses and sources reconcile at $406,146.99 each. Not a Closing Disclosure.