Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$125,719Cash toward the purchase price.
Closing costs + prepaids$11,875Not just lender fees.
Before credits & paid funds$137,594The complete starting cash picture.
Estimated remaining funds due at closing
$137,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,719.31
Your down payment$125,719.31
Closing costs + prepaids$11,874.53
Total buyer cash needed$137,593.84
Remaining funds due$137,593.84
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)$455.25
Prepaid interest, first (26 days)$1,195.28
Fees + prepaids$11,874.53
Your down payment is the seller’s equity. You take over the $274,181 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $137,593.84 is due at closing. Uses and sources reconcile at $411,774.53 each. Not a Closing Disclosure.