Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,926Cash toward the purchase price.
Closing costs + prepaids$10,577Not just lender fees.
Before credits & paid funds$142,503The complete starting cash picture.
Estimated remaining funds due at closing
$142,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,926.23
Your down payment$131,926.23
Closing costs + prepaids$10,576.55
Total buyer cash needed$142,502.78
Remaining funds due$142,502.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$329.25
Prepaid interest, first (1 days)$22.40
Fees + prepaids$10,576.55
Your down payment is the seller’s equity. You take over the $268,064 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $142,502.78 is due at closing. Uses and sources reconcile at $410,566.55 each. Not a Closing Disclosure.