Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$114,535Cash toward the purchase price.
Closing costs + prepaids$11,317Not just lender fees.
Before credits & paid funds$125,852The complete starting cash picture.
Estimated remaining funds due at closing
$125,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,535.40
Your down payment$114,535.40
Closing costs + prepaids$11,317.04
Total buyer cash needed$125,852.44
Remaining funds due$125,852.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$994.25
Prepaid interest, first (5 days)$198.79
Fees + prepaids$11,317.04
Your down payment is the seller’s equity. You take over the $275,365 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $125,852.44 is due at closing. Uses and sources reconcile at $401,217.04 each. Not a Closing Disclosure.