Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$137,214Cash toward the purchase price.
Closing costs + prepaids$12,367Not just lender fees.
Before credits & paid funds$149,581The complete starting cash picture.
Estimated remaining funds due at closing
$149,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,214.11
Your down payment$137,214.11
Closing costs + prepaids$12,367.01
Total buyer cash needed$149,581.11
Remaining funds due$149,581.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$1,458.50
Initial HOA (3 months)$225.00
Prepaid interest, first (25 days)$508.51
Fees + prepaids$12,367.01
Your down payment is the seller’s equity. You take over the $257,786 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $149,581.11 is due at closing. Uses and sources reconcile at $407,367.01 each. Not a Closing Disclosure.