Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$151,824Cash toward the purchase price.
Closing costs + prepaids$11,295Not just lender fees.
Before credits & paid funds$163,119The complete starting cash picture.
Estimated remaining funds due at closing
$163,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,824.04
Your down payment$151,824.04
Closing costs + prepaids$11,294.85
Total buyer cash needed$163,118.90
Remaining funds due$163,118.90
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)$455.75
Prepaid interest, first (28 days)$664.10
Fees + prepaids$11,294.85
Your down payment is the seller’s equity. You take over the $243,176 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $163,118.90 is due at closing. Uses and sources reconcile at $406,294.85 each. Not a Closing Disclosure.