Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$119,093Cash toward the purchase price.
Closing costs + prepaids$12,010Not just lender fees.
Before credits & paid funds$131,103The complete starting cash picture.
Estimated remaining funds due at closing
$131,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,093.17
Your down payment$119,093.17
Closing costs + prepaids$12,010.26
Total buyer cash needed$131,103.43
Remaining funds due$131,103.43
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)$853.75
Prepaid interest, first (23 days)$932.51
Fees + prepaids$12,010.26
Your down payment is the seller’s equity. You take over the $280,807 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $131,103.43 is due at closing. Uses and sources reconcile at $411,910.26 each. Not a Closing Disclosure.