Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$141,781Cash toward the purchase price.
Closing costs + prepaids$12,345Not just lender fees.
Before credits & paid funds$154,126The complete starting cash picture.
Estimated remaining funds due at closing
$154,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,781.35
Your down payment$141,781.35
Closing costs + prepaids$12,344.94
Total buyer cash needed$154,126.29
Remaining funds due$154,126.29
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)$317.75
Initial HOA (3 months)$387.00
Prepaid interest, first (31 days)$1,416.19
Fees + prepaids$12,344.94
Your down payment is the seller’s equity. You take over the $258,119 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $154,126.29 is due at closing. Uses and sources reconcile at $412,244.94 each. Not a Closing Disclosure.