Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$123,127Cash toward the purchase price.
Closing costs + prepaids$11,873Not just lender fees.
Before credits & paid funds$135,000The complete starting cash picture.
Estimated remaining funds due at closing
$135,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,126.83
Your down payment$123,126.83
Closing costs + prepaids$11,872.84
Total buyer cash needed$134,999.67
Remaining funds due$134,999.67
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)$370.50
Prepaid interest, first (27 days)$1,327.34
Fees + prepaids$11,872.84
Your down payment is the seller’s equity. You take over the $271,873 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $134,999.67 is due at closing. Uses and sources reconcile at $406,872.84 each. Not a Closing Disclosure.