Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$118,907Cash toward the purchase price.
Closing costs + prepaids$11,389Not just lender fees.
Before credits & paid funds$130,296The complete starting cash picture.
Estimated remaining funds due at closing
$130,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,907.10
Your down payment$118,907.10
Closing costs + prepaids$11,388.63
Total buyer cash needed$130,295.73
Remaining funds due$130,295.73
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)$1,020.00
Prepaid interest, first (5 days)$143.63
Fees + prepaids$11,388.63
Your down payment is the seller’s equity. You take over the $281,093 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $130,295.73 is due at closing. Uses and sources reconcile at $411,388.63 each. Not a Closing Disclosure.