Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$140,101Cash toward the purchase price.
Closing costs + prepaids$11,578Not just lender fees.
Before credits & paid funds$151,680The complete starting cash picture.
Estimated remaining funds due at closing
$151,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,101.28
Your down payment$140,101.28
Closing costs + prepaids$11,578.27
Total buyer cash needed$151,679.55
Remaining funds due$151,679.55
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)$516.00
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$686.27
Fees + prepaids$11,578.27
Your down payment is the seller’s equity. You take over the $254,899 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $151,679.55 is due at closing. Uses and sources reconcile at $406,578.27 each. Not a Closing Disclosure.