Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$119,782Cash toward the purchase price.
Closing costs + prepaids$11,117Not just lender fees.
Before credits & paid funds$130,899The complete starting cash picture.
Estimated remaining funds due at closing
$130,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,781.87
Your down payment$119,781.87
Closing costs + prepaids$11,116.97
Total buyer cash needed$130,898.85
Remaining funds due$130,898.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$242.25
Prepaid interest, first (31 days)$649.72
Fees + prepaids$11,116.97
Your down payment is the seller’s equity. You take over the $280,218 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $130,898.85 is due at closing. Uses and sources reconcile at $411,116.97 each. Not a Closing Disclosure.