Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$123,168Cash toward the purchase price.
Closing costs + prepaids$11,139Not just lender fees.
Before credits & paid funds$134,307The complete starting cash picture.
Estimated remaining funds due at closing
$134,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,167.54
Your down payment$123,167.54
Closing costs + prepaids$11,139.40
Total buyer cash needed$134,306.94
Remaining funds due$134,306.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,949.00
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)$615.00
Initial HOA (3 months)$330.00
Prepaid interest, first (1 days)$20.40
Fees + prepaids$11,139.40
Your down payment is the seller’s equity. You take over the $271,732 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $134,306.94 is due at closing. Uses and sources reconcile at $406,039.40 each. Not a Closing Disclosure.